Automotive FCA Compliance Services for UK Motor Dealers
HELPING MOTOR DEALERS STAY ON TRACK WITH ALL ASPECTS OF FCA COMPLIANCE
As a UK motor dealer or dealer group, keeping up with the regulatory demands of the Financial Conduct Authority ( FCA ) across consumer credit and general insurance can be a major burden — especially for busy sales and F&I teams.
At ComplianceTrak, we specialise in FCA compliance support for automotive retailers. Whether you're directly authorised or looking to join an appointed representative network, our tailored compliance services help you stay on track, reduce risk and protect your business.
Why FCA Compliance Matters for Motor Dealers
Failure to comply with FCA rules — especially in vehicle finance and insurance (F&I) — exposes motor retailers to enforcement action, fines, reputational damage, and financial loss. Our specialist team has deep experience in the automotive industry and provides the same robust systems, controls and guidance we use in our in-house AR network. With our help, your business can operate confidently — while focusing on sales and service.
"If you think compliance is expensive,
try non-compliance."
Comprehensive Services Tailored to Your Business
We offer a full-service compliance solution for motor dealers of all sizes. Our services include:
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ComplianceTrak software: A purpose-built showroom compliance management system enabling you to record, monitor and report on consumer credit and general insurance activity seamlessly.
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OnTrak e-Learning: A flexible online training platform covering automotive finance & insurance legislation, meeting FCA training and competency requirements.
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InsightTrak: Our intelligent tool to identify, support and report on vulnerable customers in line with FCA expectations.
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Deal file audits & process reviews: Comprehensive auditing of consumer-credit and insurance transactions, plus showroom observations and staff monitoring to identify risk and improve performance.
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Health-checks & needs analysis: Onsite or remote reviews of your dealership’s compliance systems, tailored recommendations and implementation support.
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Custom compliance-manual & business-plan development: We help you design, implement and maintain FCA-compliant documentation and processes.
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Appointed Representative (AR) network support: For dealers who prefer to outsource regulatory responsibility, we offer membership of our AR network — you focus on sales, we carry the regulatory burden.
Why Choose ComplianceTrak?
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Specialist experience in the UK automotive retail sector.
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One-stop solution: software + training + auditing + regulatory support.
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Flexible services for both large dealer groups and smaller independent retailers.
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Ongoing guidance and proactive risk management — not just one-off audits.
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Clear, measurable ROI: more efficient compliance, fewer errors, reduced regulatory exposure.
Get Started Today
Ready to take the stress out of FCA compliance and focus on what you do best — selling vehicles and growing your dealership? Contact our expert team for a free compliance health check and see how we can tailor services to your business.
Frequently Asked Questions About FCA Compliance for Motor Dealers
What is FCA compliance in the automotive industry?
​FCA compliance ensures that motor dealers follow the Financial Conduct Authority’s rules when offering consumer credit or insurance products. This includes fair treatment of customers, clear communication, proper training, and maintaining accurate records of every sale or finance agreement.
Why is FCA compliance important for car dealerships?
Compliance protects both your customers and your dealership. It prevents regulatory breaches, financial penalties, and reputational damage. Most importantly, strong compliance processes build customer trust and improve sales quality — especially in finance and insurance (F&I) transactions.
What FCA compliance services does ComplianceTrak offer?
ComplianceTrak provides a complete FCA compliance solution for the automotive sector. This includes compliance management software, e-learning and training modules, deal file audits, showroom observations, risk reviews, and membership in our Appointed Representative (AR) network.
How does ComplianceTrak’s software help with FCA compliance?
Our ComplianceTrak system manages every stage of the customer journey — from product presentation to document storage — ensuring all finance and insurance sales meet FCA requirements. It records, monitors, and reports on compliance activity, reducing risk and simplifying audits.
What is an Appointed Representative (AR) network?
An Appointed Representative (AR) operates under the regulatory permissions of a Principal Firm that is authorised by the FCA. By joining our AR network, your dealership can focus on sales while we handle the regulatory oversight, reporting, and compliance monitoring.
Can ComplianceTrak support directly authorised dealers as well as ARs?
Absolutely. Whether you’re directly authorised by the FCA or operate as an Appointed Representative, ComplianceTrak tailors its services to your specific needs — providing systems, audits, and training to keep your business fully compliant.