Randy Henrick is a consumer credit and automotive finance attorney who has worked at institutions like Citibank, GE Capital, MasterCard and Fleet Boston. He served as Dealertrack’s regulatory and compliance counsel for 12 years. He reviews dealer ads and policies and does compliance training for dealers. His website is www.autodealercompliance.net. Because of the generality of this article, it is not intended as legal or compliance advice but may raise matters you will want to discuss with Randy or your dealer attorney or compliance advisor.