AutoDealer.io publishes this guide and makes a tool that touches this category, but does not compete with the specialists on it, so we are listed LAST rather than first and our own entry says exactly what we do and do not do. Everything about the other vendors was researched from their own materials and public sources, and every entry is written up to the same template.
Most dealers think of compliance software as one tool that keeps the FTC away, but the rules actually split into distinct pieces: an information security program under the Safeguards Rule, a written identity theft program under the Red Flags Rule, and per transaction notices under the Fair Credit Reporting Act. A dealership under the FTC's 5,000 consumer threshold is not exempt from the Safeguards Rule itself, only from four specific pieces of it (the written risk assessment, continuous monitoring or annual penetration testing, the incident response plan, and the annual board report); it still needs a qualified individual and a working security program. Some vendors here are DMS platforms that added OFAC and Red Flags checks to the deal screen, and others are dedicated compliance platforms that plug into whatever DMS a dealer already runs. The single most useful question to ask before buying: does the tool block a sale when a required check hasn't been done, or is it just a form somewhere in the system that a rushed salesperson can skip.
How we picked
The criteria below were set before the list was written, and they are the only things it judges.
OFAC screening depth
A name check against the sanctions list is expected on every deal, but a matcher that only catches exact spellings will miss common transliteration variants. Look for one tuned to catch more possible matches, even at the cost of extra false positives to clear.
Red Flags verification
The Red Flags Rule requires a written program for spotting identity theft, not a single ID scan at the desk. A workable tool ties verification to a specific deal step a salesperson cannot skip past.
FTC notice automation
Adverse action and risk based pricing notices are separate FCRA obligations with different required content, and using one when the other applies still leaves a dealer out of compliance.
Qualified individual support
The Safeguards Rule requires a named qualified individual who reports to ownership at least annually. The software should make that assignment and its reporting trail visible, not just assumed.
Audit trail integrity
When a regulator or lender asks who screened a buyer and when, a log that can be edited after the fact is worth less than nothing. The record needs to show who acted and when, not just that something happened.
Fit with the deal workflow
Compliance steps that live outside the deal desk get skipped on a busy Saturday. Dealers who stay compliant tend to be the ones where the check is part of getting a deal to sold, not a separate binder.
Capabilities and pricing verified August 2026. Vendors change their products and their packaging, so check anything that decides your purchase directly with them.
Best dealership compliance software
The specialists first, then our own tool at the foot of the list with a plain account of where it stops.
1.ComplyAuto
Dealers wanting one dedicated platform for Safeguards, safety and ad compliance
ComplyAuto is a dedicated compliance platform built to sit alongside whatever DMS a dealer already runs. Its product line covers privacy and cybersecurity work tied to the FTC Safeguards Rule, OSHA and workplace safety, HR through a Workforce hub, and Guardian, an advertising compliance scanner that checks live listings and ad copy against state advertising law. It says it is recommended by dealer associations in most states and supports more than 10,000 dealerships.
Where it is strongest
- Its Privacy product is built specifically around Safeguards Rule documentation and consumer privacy requirements, a narrower and deeper focus than a DMS's bolted-on compliance tab.
- Guardian scans live ad copy and inventory listings against state advertising law, a compliance area most DMS-native tools do not touch at all.
- It is recommended by dealer associations in most states, which is a meaningful trust signal inside the industry.
What to weigh
- Pricing for its modules is not published on complyauto.com, so budgeting requires a sales call before a dealer knows the real monthly cost.
- It is a companion platform, not a DMS, so a dealer's own desking system still has to handle OFAC screening and per-deal Red Flags checks on the sales floor.
Pricing: Quote-based, not published on complyauto.com; a reseller (theshop.com) lists the standalone Safety (EHS) module at $315 per month
2.700Credit
Dealers who want OFAC, Red Flag and FCRA notice tools that plug into their existing DMS
700Credit is a credit report and compliance provider built into most dealer management systems rather than sold as its own DMS. Its compliance suite runs OFAC screening on every transaction, generates Red Flag identity verification with out-of-wallet questions when an alert fires, and produces adverse action and risk based pricing notices from the same screen where a dealer pulls a credit report. It says it serves more than 21,000 dealership clients across auto, RV, marine and powersports.
Where it is strongest
- It is already integrated into a large share of DMS platforms, including several others on this page, so a dealer often does not need to switch systems to get it.
- Its Red Flag ID tool resolves many alerts on the spot with out-of-wallet questions instead of forcing the deal to stop for a manual review.
- Its Compliance Dashboard gives a single view of OFAC, Red Flag and notice status across every rooftop for a multi-location dealer group.
What to weigh
- It is a credit and compliance add-on tied to a credit pull, not a standalone compliance program platform, so it does not cover Safeguards Rule program documentation or staff training records.
- Pricing is not published and is typically bundled into a dealer's existing credit bureau or DMS contract, which makes it hard to compare cost head to head.
Pricing: Quote-based, not published; typically bundled into a dealer's credit bureau or DMS contract
3.KPA
Dealer groups who want human experts auditing every deal jacket, not just software checks
KPA's Vera Suite is a compliance platform for dealership advertising, sales and F&I, with OFAC and Red Flags tracking alongside a feature that sets it apart: human compliance experts who audit deal jackets for missing disclosures, signatures and state requirements rather than relying on automated checks alone. It also runs automated scans of a dealer's live website advertising for compliance issues with two years of recordkeeping, and it supplies its own ARC-certified F&I training courses. KPA says it works with more than 15,000 clients, including 40 of the top 50 automotive groups.
Where it is strongest
- Human experts actually review deal jackets by hand, catching the kind of missing signature or wrong disclosure a rules-based scanner tends to miss.
- It supplies its own ARC-certified training courses, so a dealer gets the training content itself rather than just a place to log that training happened.
- Its advertising scanner checks live inventory listings against state advertising law with two years of recordkeeping built in.
What to weigh
- Deal jacket audits by human reviewers take longer to turn around than an automated pass, so it suits a scheduled audit cadence better than an instant per-deal check.
- Pricing is not published and the company steers prospects toward a demo, so a small independent dealer cannot easily gauge cost against a lighter tool.
Pricing: Quote-based, not published
4.DealerCenter
Independent dealers wanting OFAC and adverse action tools built into their DMS
DealerCenter is a dealer management system built for independent and buy-here-pay-here dealers, and its Compliance tab on each customer record runs OFAC checks and prints an adverse action letter without leaving the deal. It also partners with ComplyAuto to offer Safeguards Rule and privacy compliance as an add-on rather than building that program management natively into the DMS. For a dealer already running DealerCenter for inventory and desking, the basic compliance checks sit one tab away instead of behind a separate login.
Where it is strongest
- OFAC checks and the adverse action letter live on the same customer record as the deal itself, so a salesperson does not have to leave DealerCenter to run them.
- It is built specifically for independent and BHPH dealers rather than adapted from a franchise-store product, so the workflow matches how smaller lots actually sell cars.
- Its partnership with ComplyAuto gives dealers a path to Safeguards Rule and privacy compliance without adding an unrelated second vendor relationship.
What to weigh
- Deeper Safeguards Rule program management, like written risk assessments and incident response planning, runs through the separate ComplyAuto add-on rather than DealerCenter itself.
- Pricing is not published on the DealerCenter site, so a dealer needs a sales conversation to learn actual monthly cost.
Pricing: Quote-based, not published
5.DealerClick
Dealers who want automated OFAC checks and long-term audit storage in one DMS
DealerClick is a DMS built for independent dealers that runs automated OFAC checks from its desking screen alongside soft-pull credit reports from the three major bureaus. It also markets a document vault that stores deal jackets, sanction screening records and CRM notes on a long retention timeline, positioned around OFAC's move to a ten-year recordkeeping window. Compliance here is sold as part of the core DMS rather than as a separate module.
Where it is strongest
- OFAC checks run in the same desking screen used to pull credit, so a dealer does not need a second system open to screen a buyer.
- Its document retention approach is built around the actual regulatory retention window rather than a generic backup policy.
- It bundles credit pulls, desking and OFAC screening into one system rather than charging for each piece as a separate module.
What to weigh
- Its own marketing material is the only source we found for the vault's technical claims, like checksums and write-once storage, so a dealer should ask for independent confirmation before relying on it for an audit.
- Pricing is described only as affordable and is not published as an actual number, so cost comparison requires a sales call.
Pricing: Quote-based, not published
6.Frazer
Buy-here-pay-here dealers who want compliance folded into a long-running, lower-cost DMS
Frazer is a dealer management system built specifically for buy-here-pay-here and independent used car dealers, in business since 1985 and used by more than 19,000 dealers across the country. Compliance in Frazer runs through a built-in integration with 700Credit rather than a Frazer-native compliance engine, giving dealers OFAC screening, Red Flag identity verification with out-of-wallet questions, and a shared compliance dashboard from inside the DMS. For a BHPH lot juggling loan servicing and compliance in the same system, that integration puts the dashboard one click from the deal itself.
Where it is strongest
- It is purpose-built for BHPH operations, so loan servicing, collections and compliance checks live in one system instead of stitched-together tools.
- The 700Credit integration is deep enough that a dealer gets the Compliance Dashboard view directly from Frazer, not a separate login.
- Its decades of history with independent and BHPH dealers means the compliance workflow has been shaped by long dealership use, not a recent bolt-on.
What to weigh
- Frazer's own compliance capability is the 700Credit integration rather than a Frazer-built engine, so OFAC and Red Flags coverage depends on that partnership staying in place.
- Pricing is not published on Frazer's site, so a dealer has to request a quote to learn actual cost.
Pricing: Quote-based, not published
7.Wayne Reaves
Southeast independent dealers who want OFAC and 8300 reporting native to the DMS
Wayne Reaves is a dealer management system built for independent dealers, providing dealer software since 1987 with particular depth in Southeast state title and registration forms. Its Pro DMS runs an OFAC name check and 8300 cash-reporting tracking natively within sales and titling, and it integrates with 700Credit for Red Flag identity verification and credit reports. For a dealer whose paperwork falls within its long-supported Southeast states, that regional depth carries into compliance forms as well.
Where it is strongest
- OFAC name checks and 8300 cash reporting are native to the Pro DMS sales workflow, not bolted on through a separate login.
- Decades of focus on Southeast state title and registration paperwork mean state-specific compliance forms tend to be well supported for dealers in that region.
- The 700Credit integration adds Red Flag identity verification without requiring a second unrelated vendor contract.
What to weigh
- Its compliance depth is strongest for the Southeast states it has historically served, so a dealer outside that footprint should confirm state-specific form coverage before buying.
- Pricing is not published and the site steers prospects toward a demo request instead.
Pricing: Quote-based, not published
8.AutoDealer.io
Lots that want the deal-level checks enforced, alongside a compliance program
Our own tool, and its limits
AutoDealer.io covers the checks that belong inside a deal and not the compliance program around them. OFAC screening runs against a daily refreshed list with a fail-closed gate, so a deal cannot be marked sold with an unscreened buyer, a co-buyer added after the buyer was screened, or a buyer whose name changed since; only an owner or manager can clear a flagged hit, so the salesperson working the deal cannot wave off their own match. Red Flags checks and the FTC's risk-based-pricing and adverse-action notices are deal steps with their own record. What it is not is a Safeguards platform: there is no training library, no vendor risk management and no deal-jacket auditing.
Anyone who needs a compliance program rather than compliance checks. If the requirement is a written Safeguards policy, staff training records with courses attached, or an audit of your deal jackets, a dedicated platform above does that and we do not.
Where it is strongest
- The OFAC gate is fail-closed and enforced at the moment of sale rather than reported on afterwards, and it re-screens a buyer whose name changed since the last check.
- Clearing a flagged screening is restricted to an owner or manager, which puts real separation of duties between the person who owns the deal and the person who clears it.
- Red Flags and the FTC notices are steps in the deal with a tamper-evident audit record, so the file shows what was done and by whom without a separate binder.
What to weigh
- This is not a Safeguards Rule program in a box. There is no training course library, no vendor risk management, no written policy generation and no deal-jacket auditing, all of which the dedicated platforms above sell and a dealer still needs.
- OFAC screening is name-match only and cannot verify an identity document, and we hold no SOC 2 attestation and offer no SSO or SAML.
Pricing: Published on our pricing page, with a free trial
The list, side by side
Who each one fits and how it is priced, in one table.
| Product | Best for | Pricing |
|---|---|---|
| ComplyAuto | Dealers wanting one dedicated platform for Safeguards, safety and ad compliance | Quote-based, not published on complyauto.com; a reseller (theshop.com) lists the standalone Safety (EHS) module at $315 per month |
| 700Credit | Dealers who want OFAC, Red Flag and FCRA notice tools that plug into their existing DMS | Quote-based, not published; typically bundled into a dealer's credit bureau or DMS contract |
| KPA | Dealer groups who want human experts auditing every deal jacket, not just software checks | Quote-based, not published |
| DealerCenter | Independent dealers wanting OFAC and adverse action tools built into their DMS | Quote-based, not published |
| DealerClick | Dealers who want automated OFAC checks and long-term audit storage in one DMS | Quote-based, not published |
| Frazer | Buy-here-pay-here dealers who want compliance folded into a long-running, lower-cost DMS | Quote-based, not published |
| Wayne Reaves | Southeast independent dealers who want OFAC and 8300 reporting native to the DMS | Quote-based, not published |
| AutoDealer.io | Lots that want the deal-level checks enforced, alongside a compliance program | Published on our pricing page, with a free trial |
Questions dealers ask
Straight answers about dealership compliance software.
Does the FTC Safeguards Rule apply to a small independent used car dealership?
Yes, any dealership that regularly extends, arranges or defers payment for goods or services counts as a financial institution under the FTC Safeguards Rule, and being small does not exempt it. A dealer holding information on fewer than 5,000 consumers is excused from just four pieces of the rule: the written risk assessment, continuous monitoring or annual penetration testing, the written incident response plan, and the annual board report. Everything else, including designating a qualified individual and running a real information security program, still applies.
What does a qualified individual do under the FTC Safeguards Rule?
The qualified individual is the person a dealership designates to oversee and implement its information security program under the Safeguards Rule. They do not need a specific degree or title, and they can be an employee or someone from an affiliate or service provider, though the dealership itself keeps ultimate responsibility for compliance. Larger dealers must have that person report on the program in writing to the board or governing body at least once a year, which is one of the four requirements a dealer holding information on fewer than 5,000 consumers is excused from.
What is the difference between an adverse action notice and a risk-based pricing notice?
An adverse action notice is required when a dealer denies a consumer's credit application, or offers financing on materially different terms than requested, based on information in a consumer report; it must name the credit bureau that supplied the report and explain the consumer's dispute rights. A risk-based pricing notice is required instead when a dealer grants credit, but on less favorable terms than it gives other consumers, based on that same report. For most retail auto sales, the FTC's rules let the dealer give this notice in place of the creditor, and a consumer only gets one notice per transaction.
Do independent dealers have to run OFAC checks on every deal?
OFAC screening is not an FTC rule at all; it comes from Treasury sanctions law, which prohibits any US person or business, including a car dealership, from doing business with someone on the Specially Designated Nationals list. Because that prohibition applies regardless of a dealer's size, running a name check against the SDN list before completing a deal has become standard practice across the industry and is built into most dealer management systems and dedicated compliance tools. A name match alone is not identity verification: it flags whether a name resembles someone on the list, it does not confirm the buyer is actually who their ID says they are.
Does compliance software replace a dealership's own legal review?
No. Compliance software can enforce steps like running an OFAC check, generating the right notice, or logging who verified a buyer's identity, but none of the vendors in this guide are law firms and their tools are not a substitute for legal advice about a dealership's specific obligations. State advertising, titling and financing laws vary and change, so a compliance program still benefits from periodic review by an attorney familiar with dealer regulation in that state.
Where these facts came from
Every capability and price above traces to a provider's own materials or a public record. Check anything that decides your purchase.
- https://www.ftc.gov/business-guidance/resources/automobile-dealers-ftcs-safeguards-rule-frequently-asked-questions
- https://www.ftc.gov/business-guidance/resources/ftc-safeguards-rule-what-your-business-needs-know
- https://www.ftc.gov/business-guidance/privacy-security/red-flags-rule
- https://www.ftc.gov/business-guidance/resources/using-consumer-reports-credit-decisions-what-know-about-adverse-action-risk-based-pricing-notices
- https://www.nada.org/safeguardsrule
- https://ofac.treasury.gov/
- https://complyauto.com/
- https://theshop.com/collections/complyauto
- https://www.paa.org/complyauto
- https://www.700credit.com/compliance-solutions/
- https://700credit.com/compliance/id-verification
- https://kpa.io/vera-suite/advertising-sales-finance-software/
- https://support.dealercenter.net/hc/en-us/articles/206172866-What-do-I-need-to-know-about-Compliance
- https://www.dealercenter.com/
- https://dealerclick.com/blog/ofac-10-year-rule-document-storage
- https://dealerclick.com/
- https://www.frazer.com/
- https://www.700credit.com/frazer-bhph-email-campaign/
- https://www.waynereaves.com/pro-dms
- https://www.700credit.com/wayne-reaves/
- https://www.waynereaves.com/
Verified August 2026. Product names and logos are the trademarks of their respective owners; naming them here is comparative reference and does not imply any affiliation with or endorsement by them.
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