Episode 1: Are Dealers Legally Required to Use an F&I Menu? | Jim Ganther, Mosaic Compliance Services
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About the episode
In this episode of Is It Compliant, host Kate Spadafora speaks with compliance attorney Jim Ganther, CEO of Mosaic Compliance Services, to address whether dealerships are legally required to use an F&I menu. While the answer is no, Jim explains why using a properly configured F&I menu is a smart move for dealerships — creating a paper trail, supporting transparency, and helping protect against legal risk. He also discusses the dangers of misusing menus, how pricing should be disclosed, and why consistent, repeatable processes are critical for compliance. This episode provides clear, actionable guidance for dealership staff involved in F&I operations and customer disclosures.
