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Federal Regulations
Automotive Training

A Compliance training program for dealers

The Federal Regulation Automotive Training (FRAT) program was created with The Association of Dealership Compliance Officers (ADCO) and Product Prep. This program allows dealers to add dealership employees for compliance training and track the training status of current personnel.

The FRAT program is for dealer executives, sales, operations staff, compliance officers, and essential employees. Training modules included the Safeguards Rule, Red Flags Rule, Disposal Rule, OFAC, ECOA, FCRA, and many others.

ADCO, Prod Prep, and FRAT logos

Safeguards Rule

Red Flags Rule

Disposal Rule


ECOA (Reg. B)


Dealership Compliance Officer

Why Choose FRAT?

  • Satisfy requirements of training for all new and current employees in all departments
  • An educated staff is the foundation of good business and protects your dealership from unethical and wrong practices
  • Understanding the rules and regulations helps to reduce risks, liabilities, potential fines, penalties, and increase accountability in your organization.
  • A well-educated employee is the first line of protection in an effective compliance management system.

ADCO provides training and educational resourses to prepare compliance officers for these responsibilities. Click here to learn more about Dealership Compliance Officer Certification.

Three Lines of Defense to Manage Risk

FRAT Supports 3 lines of defense that protect dealerships


Effective Training

The first line of detense are the dealership employees who arrange leasing or financing for vehicles, sell products and services, or operationally support customers. The employees must understand their roles and be accountable to make ethical and legal decisions. Dealers are responsible for providing what the FTC has noted as 'effective training.'


Risk Identification and Management

The second line of defense is the risk-related monitoring and auditing functions. The middle-line managers are responsible for proactively monitoring and auditing employee behaviors to ensure that the policies, procedures, and practices comply with legal expectations. They report data breaches and perceived non-compliance activities to the Dealership Compliance Officer.


Monitoring and Auditing

The third line of defense are the auditors and agencies who independently evaluate the dealer's compliance risks and controls. This includes external resources and 3rd party vendors. The compliance officer is responsible for reporting risk issues to the dealer principal and senior management, along with suggested steps for mitigation.

Customized Learning Experience for your Rooftop

Each course is specifically created and tailored for each individuals job role within the dealership. Detailed user roles and flexible permissions is what makes the FRAT program a valuable resource for dealers. Employees access only the necessary modules for their role in the dealership and can access it at anytime.

  • Manage Your Dealer Group
  • Library of Resources
  • Certificate of Completion

$235 monthly/rooftop

Register today to reserve your spot and be one of the first dealerships to start benefitting from the Federal Regulations Automotive Training program.

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