Dealer Information and Preferences

• Dealership Information
• eContracting
• Online Digital Retail Services
• Enrollment Information
• Required information is highlighted and marked by an asterisk (*).

Dealership Compliance Preferences

Hover over the ‘Admin’ tab in the top navigation and select ‘Preferences’ from the dropdown menu. 

Setting Risk Models: CSDN and Adverse Action Notice Generation

The ‘Risk Based Pricing (Credit Score Disclosure Notice/CSDN) and Adverse Action Generation’ section is helpful if you purchase multiple risk models from your credit bureau provider(s). 

In the case where you purchase only one risk model, RouteOne will populate your Adverse Action Notices and Credit Score Disclosure Notices with the risk model and score information from the credit report you pull. 

If there are multiple risk models within your pulled credit reports, RouteOne needs to know which risk model and score information you prefer to display on your Adverse Action Notices and Credit Score Disclosure Notices.

• For each Credit Bureau you are subscribed to, select the appropriate ‘Risk Model’ from the dropdown.
• Next, select the ‘Ranking’ for both ‘RBP/CSDN Ranking’ and ‘Adverse Action Ranking,’ in order to designate which risk model displays when only one exists in the report. When there are multiple risk models in the report, your number one ranked risk model will always display.

Dealers can generate and print a CSDN for all consumer applicants in order to manage compliance under the Fair Credit Reporting Act’s Risk-Based Pricing Rule.

If the credit report was pulled from within RouteOne, the CSDN will be generated automatically and populated with the credit score (Experian, Equifax, or TransUnion, depending on your subscription), and all consumer information, including consumer street address, city, state, and zip code. 

If the credit report was pulled outside of RouteOne, you can still generate a CSDN. The CSDN will be automatically populated with all consumer information, including consumer street address, city, state, and zip code. However, you will need to manually input the credit score, score date, and credit bureau name.

AAN/CSDN Warnings

To disable the warning messages from coming up each time a user attempts to generate an Adverse Action Notice (AAN) or Credit Score Disclosure Notice (CSDN) for an application without credit bureau information, make a dealer preference change by clicking the 'Disable AAN/CSDN Warning' checkbox.

Auto Complete

By checking the appropriate boxes in this section, you can choose to automatically generate a Credit Score Disclosure Notice (CSDN), Adverse Action Notice (AAN), Privacy Notice, Identity Verification (if subscribed to IDOne) when a credit report is requested. 

Auto-Run OFAC is available to provide multiple checks throughout the deal process. You can set the preference to automatically conduct an OFAC search in either or both of the following circumstances:

• After every unique deal is created or an existing deal is updated to add a co-buyer
• Upon submission of a credit application to a finance source

If 'Pre-select all Credit Bureau providers' is selected in this section, these products will be selected by default every time a user of your system opens the ‘Credit & Compliance’ page and checks one or more Credit Bureau box. Not only will these products be selected, but they will also be ‘locked.’ Users will not be able to uncheck the products. These Auto Complete settings ensure that compliance documents are generated with every single credit report. 

When Auto Complete is selected here for AAN, CSDN, and Privacy Notice, they will display when each credit report is requested.

• As soon as the credit report generates, the AAN, CSDN, and Privacy Notice will pop up on the screen in one window for both the applicant and co-applicant. ‘Results’ will also show a green check mark under the Adverse Action Notice and Credit Score Disclosure Notice icons. 

When Auto Complete is selected here for IDOne and the credit report generates, results will pop-up on the screen in a single window for both the applicant and co-applicant. 

• Note that if Auto Complete is also set for AAN, CSDN, and Privacy Notice, the IDOne results will display in the same window. 
• The IDOne and OFAC results are displayed via the icon in the 'Results' section, indicated by a 'Pass,' 'Fail,' 'In Progress,' or 'Caution.’ Users can click the icon to see the full results page.

Additionally, you can set up your dealership to have all Credit Bureau providers pre-checked on the Credit & Compliance page whenever requesting a new Credit Bureau report. Simply check the ‘Pre-select all Credit Bureau providers’ checkbox and save the page.

• Note that this will not lock down the Credit Bureau provider checkboxes, but will simply pre-check them for ease of use.

While one email address is required to be notified when these selections are changed, you can choose to notify up to five email addresses.

CSDN Customer Score Graph

In the ‘Risk Based Pricing (Credit Score Disclosure Notice) Customer Score Graph’ section, select ‘Enable Customer Score Graph on Credit Score Disclosure Notice (CSDN)’ if you wish to generate CSDNs with a graph of the score ranges, in addition to the standard statement of the customer's credit score ranking. 

In order to enable eSigning of CSDNs by your customers from the Credit & Compliance page, this preference must be selected. 

Compliance Dashboard Sync

This section allows you to select the Compliance functions you would like to sync to the Compliance Dashboard and Compliance Report. To select a Compliance item for sync, simply check the corresponding box. Compliance Sync is based on an exact match of the Customers' first name, last name, and Social Security Number (SSN).

The dealer is responsible for all compliance related matters. By unchecking these boxes, the dealer will have to manually maintain their Compliance Dashboard.

Sync AAN

• Only one AAN will be sent per 30 day period.
• Sync AAN is required for subscribers to the RouteOne AAN Mailing Service per the functionality described in the Dealer's agreement for such service.

SYNC AAN: Automatically Exclude Approvals

• Automatically Exclude Approvals will exclude approved customers from receiving Adverse Action Notices, so that no Adverse Action Notices will be sent for a customer SSN that received an approval within the preceding 30 days. 
• Adverse Action Notices that are excluded from generation will appear in the Compliance Dashboard as meeting AAN requirements and will be differentiated with an asterisk. Regardless of any AAN Mailing Service subscription, excluded AANs will not be mailed.

Privacy Notice

Upload a Privacy Notice to enable Privacy Notice functionality on the Credit & Compliance page. 

If you are subscribed to Digital Retail, this uploaded Privacy Notice will be used for all Digital Retail features. 

Click 'Select File' and upload a Privacy Notice.

Upload your Privacy Notice in PDF format. The PDF file can be multiple pages, but it cannot exceed 2MB.

If you don't have a Privacy Notice, you can click on the ‘Privacy Notice Builder’ link to navigate to the Federal Reserve Board's Privacy Notice builder. Save the document to your hard drive in order to upload it here. 

Once you’ve uploaded a Privacy Notice, you can enable eSigning by checking both the ‘Include PN’ and ‘eSign’ checkbox. This will allow your customers to eSign a short document that states that they have acknowledged receipt of your Privacy Notice. This will also allow the Privacy Notice to be eSigned and available in the contract package or available for remote signing. 

Click the ‘Save Information’ button at the bottom of the page to save your settings.

Once you have uploaded your Privacy Notice, checked the ‘Include PN’, ‘eSign’ checkbox, and clicked the ‘Save Information’ button at the bottom of the page, you will be able to print and eSign your Privacy Notice from the Credit & Compliance page.

Important: When you upload a Privacy Notice for the first time, the upload will take place immediately. When you upload a new Privacy Notice to replace a previously uploaded Privacy Notice, it will take 24 hours for the updates to occur on the Credit & Compliance page. 

Notice at Collection (California)

Other Dealership Preferences

Hover over the ‘Admin’ tab in the top navigation and select ‘Preferences’ from the dropdown menu. 

Scroll down to the ‘Preferences’ section.

To reduce your scrolling, click the ‘-’ symbol to minimize the ‘Compliance’ section and quickly view the ‘Preferences’ section.