Fiada nov 2k15 web

FIADA 1940-2015

Y E A R S

NOVEMBER 2015 www.FIADA.com

Information and Insight for Florida Used Car Dealers

As legislators prepare to head-back into session, independent dealers must stand together to be heard.

FULTON, MO PERMIT NO. 38

PA I D PRST STD U.S. POSTAGE

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Dealer Independent

MAILING ADDRESS 1840 Fiddler Court Tallahassee, FL 32308

TELEPHONE (850) 385-2712 (800) 237-0448

FAX (850) 385-3251

WEBSITE www.FIADA.com EXECUTIVE COMMITTEE Paul Matton

President

Lisa Compagno

Senior Vice President Jim Winterick, Sr.

Chairman of the Board

Contents November 2015

For members of the Florida Independent Automobile Dealers Association

C O L U M N S & F E AT U R E S 4

President’s Message Paul Matton

6

Executive Director’s Message Lisette Mariner, CAE

Steve Marbais, CMD

Regional Vice President

8

The Man on the White Horse The hero of any business is the one who knows how to lead and make the hard decisions. Terry Myers says that needs to be you.

Brandi Noegel

Regional Vice President

10

Member News

14

NIADA Previews its Legislative Agenda NIADA leaders and state representatives met in Washington D.C. recently to discuss the independent dealer’s interests in current legislative topics.

16

Operation Collection Protection Puts the Heat on Illegal Debt Tactics The FTC is cracking down on debt collectors who are bending the rules. Take notice of what they are looking for.

18

FIADA Upcoming Events 2016 will be another busy year. Mark your calendar now to attend these helpful meetings and events.

20

FIADA Legislative Update Representative Greg Steube is FIADA’s Legislator of the Year. Plus, a big thank you to the 2016 FIADA PAC donors.

22

Back from the FIADA Annual Convention and Trade Show Enjoy a few pictures from the highlights and fun of the annual meeting.

26

A Look at Current Legal Issues Attorneys Tom Hudson and Nicole Munro recap recent federal and legal developments of interest to dealers.

30

Industry News

Govinda Romero

Secretary Scott Lanier

Treasurer Brad Joel

Regional Vice President

Christopher Leedom

Regional Vice President

Phil Risley

Regional Vice President

FIADA STAFF Lisette Mariner, CAE

Executive Director Terry Myers

Educational Instructor Jason Berthiaume

Education and Marketing Coordinator

Amelia Tillman

Membership Director Christy Taylor

Editorial/Advertising

POSTMASTER:

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FIADA • 1840 Fiddler Court Tallahassee, FL 32308 (850) 385-2712 • Toll Free: (800) 237-0448 Fax (850) 385-3251 • www.FIADA.com The Independent Dealer is a publication of: Florida Independent Automobile Dealers Association, 1840 Fiddler Court, Tallahassee, FL 32308 The magazine is published every month in Tallahassee and distributed to Florida new, used, wholesale and lease/retail car dealers.

Advertising rates are available upon request.

The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of Independent Dealer or the Association. Likewise, the appearance of advertisers, or their identification as members of FIADA, does not constitute an endorsement of the products or services featured.

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FROM THE PRESIDENT

United We Stand, Divided We Fall

BY PAUL MAT TON, FIADA PRESIDENT

I

have 11-year-old twin granddaughters and I was talking with them the other day about pay phones. To my surprise, they had no idea what a pay phone was. They had never seen one, used one or heard of it. It’s amazing how much things change over just one or two generations.

Straight talk here, my biggest fear is that over the next five to seven years, independent dealers will go the way of the pay phone. We have already seen our industry change so much in the last 10 years with the increased number of “big box” and franchise stores taking over our market. If the trend continues, your grandkids are going to be asking you, “what’s an independent dealer.”

This country was born and raised by small family businesses.

The mom and pop shops that knew every customer in town, what they liked and how they liked it. Look around and tell me where they went. We cannot let the same thing happen to us.

I’m honored to be the FIADA President this year and my focus is on rallying my fellow dealer brothers and sisters together to preserve our way of life. If we expect to make it as an industry for another five, 10 or 20 years then we have to protect ourselves. It won’t be easy, but we can do it. We must do it, if we want to survive.

I’m not trying to be all doom and gloom, I just am hoping to get your attention and get you thinking about not just the future of your business, but the future of the small used car dealer in general. Never take it for granted that what you have today will be there tomorrow. As is everything, it must be worked for, and sometimes fought for.

We live in a litigation-heavy time where handshakes have been replaced by stacks of papers and contracts that we pray

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will hold up in court when we need them to. Sometimes it feels like we do everything right, but we are still in the wrong.

Between growing regulation, increased dishonesty and fraud, negative public perception and a slow economy it is getting tougher and tougher to do business. That’s why again I say it is more important than ever that we stick together. United we stand, divided we fall. It’s not just a motivational speech, it’s the truth.

This year, I hope as FIADA members we will choose to get more involved in our Association and our industry. We will combine our efforts with the national association and stand tall for our rights as business owners and car dealers. It’s an election year, and I hope that as candidates come looking for our support we are united in our message of promoting a friendly environment to do business in.

I remember when John F. Kennedy said those famous words, “My fellow Americans, ask not what your country can do for you, ask what you can do for your country.” I want to challenge you with the same thing. Ask not what the FIADA can do for you, but what you can do for the FIADA. Look for ways to get involved. Come to our Board Meetings and give your opinions and suggestions. Who knows, you may even have a good time doing it. (We are going on a cruise this year in April, so start planning to attend now!) If you can’t make the meetings, then support us with a PAC check. Whatever you can give—time, treasure or talent—give it. There is no “i” in team, but there is in win, so let’s all choose to be winners this year. Don’t wait for the change to come; make the change now. It’s time we become proactive and not reactive.

Together, we will make it happen.

Paul Matton, FIADA President www.fiada.com

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EXECUTIVE DIREC TOR’S MESSAGE

It’s Legislative Time, Again

BY LISET TE MARINER, CAE, EXECUTIVE DIRECTOR

A

s I return from my trip to Washington DC with the NIADA, I am reminded that November is a time for elections. A time where we begin to see the political landscape take shape.

Even though 2015 was an off year for elections in Florida, it’s a great reminder to get involved in the political process. Whether it’s voting for the next Association president or President of the United States, you need to have your voice be heard. There are many issues facing dealers today, from the federal recall bill to the latest FIADA legislative agenda, which includes lienholder rights in mechanics liens.

Florida’s legislative session begins January 12, 2016. There is still time left before it begins to get to know your legislator. Invite them to your lot to help them understand the automobile industry. Help them understand your impact on the economy and the community. These important connections can go a long way when it comes to getting the support we need.

The more we teach our legislators about our industry and our businesses, the more they understand the kinds of challenges and issues that we face. If 6 — Independent Dealer —November 2015

we can help them see things from our perspective, it could change the way they see the proposed rules and laws that could hurt us.

While in DC we had an opportunity to educate our congressional delegation on the impact of requiring dealers to fix open recalls. The results of such a law would devastate the industry.

With everyone we spoke to they never considered how some recalls don’t have a fix or others are simply non safety issues such as a change in a page in the owner’s manual.

I also had the opportunity to assist Frank and Gina Fuzy, NIADA’s President

and First Lady with raising funds for the NIADA PAC fund. Similar to Florida’s PAC fund the NIADA fund helps federal candidates get elected, whereas Florida helps state candidates. Along with Georgia, the Carolinas, Alabama and the other states in Region II, we beat all the other regions. Thank you to everyone that contributed. Together we can make a difference.

On that note, the FIADA PAC fund is 68% of its goal. Help us make a difference in Florida and contribute today. Visit www.FIADA.com and click on the Legislative tab to make a contribution online or complete the form on page 21.

Heads Up! FIADA Dealer Alerts are the best way to notify you of upcoming legislative news that needs your attention. Look for these e-mail alerts in your inbox this legislative season. www.fiada.com

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BACK TO BASICS

The Man on the White Horse

BY TERRY MYERS

Success comes to those who know how to lead. Are you up for the challenge?

Y

ears ago, I absorbed information about what separates one business from another, as it relates to success. It comes down to this, someone has to be in charge. The article was titled “The Man on the White Horse.”

There is no doubt that employees are a great source of sales, follow up and business growth ideas. The FIADA, auctions, vendors, periodicals and conventions, etc. are also great ways to keep up and hopefully, evolve your business to the level of success it is capable of achieving.

Information needs to be gathered, evaluated and categorized as to value.

Implementation, readjustments and actions to take, fall to the man on the white horse.

Someone has to lead. Someone has to make the hard decisions. Someone has to educate themselves and be

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involved in educating fellow owners, managers, and employees. Someone needs to learn to be a manager of people and themselves. That someone is you.

The FIADA has excellent articles still available online at http://www. fiada.com/?page=Archives, for you to access. The NIADA has excellent

helping you learn how to access profit centers you may not even know exists.

Dealers with a plan to achieve planned goals will achieve success. Dealers without a plan to achieve success will reach their goal, also.

As the owner, which applies to your dealership falls to you….The Man on the White Horse.

Someone has to lead. Someone has to make the hard decisions. Someone has to educate themselves and be involved in educating fellow owners, managers and employees. articles, online training, TwentyGroups, etc. at www.NIADA.com.

Auctions such as Manheim and Adesa, plus others have excellent training. Many will come to your lot and spend a good part of the day

Terry LB Myers is an author, lecturer, FIADA instructor and FADS owner/instructor. Terry can be reached at (727) 804-7375 or tmyers@ floridaautodealerschool.com. Feedback is appreciated and encouraged. Copyright 2015.

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MEMBERSHIP NEWS

New Members ABOUT TIME MOTORS, LLC Lucius Brown Jacksonville, FL Sponsor: Amelia Tillman CARITE Chris Shearer Madison Hts, MI Sponsor: Jason Berthiaume CAR’S TRADE CENTER LLC Manuel Rubinsztein Orlando, FL Sponsor: Terry Myers

OCTOBER 2015 H & R INVESTMENT GROUP LLC DBA CARZILLA Christopher Rios Gainesville, FL Sponsor: Terry Myers LEONARD BOWMAN Orlando, FL Sponsor: Terry Myers MINH LY Tampa, FL Sponsor: Terry Myers

CASH & DASH AUTO SALES, INC Robert Cogswell Newberry, FL Sponsor: FIADA

PRESTIGE AUTO SALES AND RENTALS Eugene Myers St. Petersburg, FL Sponsor: Kevin O’Connor

CREDITAID AUTO FINANCE, LLC Brad Adams Clearwater, FL Sponsor: FIADA

RBI ALLIANCE LLC Leonardo Rostoker Hallandale Beach, FL Sponsor: Amelia Tillman

EAST LAKE TRUCK & CAR SALES Michael Malki Oldsmar, FL Sponsor: Amelia Tillman

SCOTT THOMPSON Orange City, FL Sponsor: Jason Berthiaume

FAMILY FIRST AUTO SALES Ramon Rodriguez Orlando, FL Sponsor: Terry Myers FASTBOATS MARINE GROUP Randall Sweers Pompano Beach, FL Sponsor: FIADA GOBEN CARS Don Goben Madison, WI Sponsor: FIADA

SELECT MOTORS GROUP INC Thomas Parotino Tampa, FL Sponsor: FIADA.com

Renewing Members

OCTOBER 2015

40+ Year Members John Rogers Used Cars Noegel’s Auto Sales

Orlando, FL Starke, FL

30+ Year Members Wood Motor Company

Fort Myers, FL

20+ Year Members Martinez & Associates, CPAs, P.A.

Winter Springs, FL

10+ Year Members Cars & Credit of Jacksonville Central Florida Used Car Mart Prime Autos Xpress Finance, Inc.

Jacksonville, FL Mascotte, FL West Palm Beach, FL Orlando, FL

Under 10 Year Members A.R.A. GPS Systems, Inc. AAA Asset Recovery Inc. Auction Direct USA CARFAX Copart, Inc. DealerCenter Holcombe USA, Inc. dba Autoshow Sales & Service Ituran USA, Inc. South Shore Leasing & Sales Southeast Auction Finance, LLC Southeastern Auto Auction Traditional Motorsports

Newnan, GA Hollywood, FL Jacksonville, FL Centreville, VA Riverview, FL Los Angeles, CA Plantation, FL Fort Lauderdale, FL Miami, FL Saint Petersburg, FL Savannah, GA Lakeland, FL

Rejoining Members

OCTOBER 2015

SHIMONS CARS INC Shimon Swissa Hollywood, FL Sponsor: FIADA

CAR CITY Sal Lanza West Palm Beach, FL Sponsor: Amelia Tillman

PARADISE MOTORS Mark Walzer Bradenton, FL Sponsor: Amelia Tillman

TREASURE COAST AUTOMOTIVE HOLDINGS, LLC Gabriel Peer-Drake Sr Stuart, FL Sponsor: Amelia Tillman

OFF LEASE ONLY John Giasullo Palm Springs, FL Sponsor: FIADA.com

VAUTO Barbara Reitz Oakbrook Terrace, IL Sponsor: Amelia Tillman

MEMBERSHIP ADVANTAGE All FIADA members receive coupon books with over $8,000 in discounts! There are $1,000.00 in auction buy/sell fees and over $7,000 in discounts on advertising, software, office supplies and other services. Are you taking advantage of your coupons? Go to FIADA.com and click on membership to see all of your benefits.

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November 2015 — Independent Dealer — 11

Join us for the next FIADA

TOWN HALL Join us for a day of continuing education, networking and a FREE LUNCH.

January 22, 2016 Boca Raton Marriott at Boca Center

i ne r onl e t s i Re g o w at n om DA .c A I F . w ww

5150 Town Center Circle Boca Raton, Florida 33486 Town Hall Meetings are absolutely FREE to attend.

Don’t miss this great opportunity to network with colleagues and ask your burning questions to the experts.

Self-parking is complimentary.

Stick around and join us for the FIADA Board of Directors Meeting on January 23.

Town Hall and Lunch sponsored by:

Set sail with FIADA for our April Board Meeting on a three Night Cruise to the Bahamas aboard Royal Caribbean’s Independence of the Seas!

To book your cabin, call Geydis Espinosa at (800) 465–3595 ext. 13439 and mention Group Number 2989454, FIADA Meeting for current rates and promotions.

—November 12 — Independent Dealer — November2015 2015

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The Florida Department of Revenue is initiating a statewide audit campaign against Florida used car dealers, starting late summer 2014. The Department obtained DMV records of all used cars sold in Florida and is comparing these records against sales tax returns filed by used car dealers. Based on this information, the Department will estimate what taxable sales should have been for each used car dealer and initiate desk audits, full audits, and criminal investigations based on the level of estimated underreporting. These estimates can be erroneous and do not take into account financing charges, repossessions, sales to out of state residents, or other factors that can affect sales tax. Even worse, it only takes $301 of collected but not remitted sales tax to face felony charges and up to 5 years in jail under FL law.

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The Law Offices of Moffa, Gainor, & Sutton, PA concentrate in the area of Florida sales and use tax controversy and we are qualified to assist used car dealers in a defense against the Florida Department of Revenue. Whether you have underreporting, you’re not sure whether your company is ready for a sales tax audit, or you simply have questions about which FL DOR forms to file (e.g. Form DR-123), then please contact our law offices today for a FREE INITIAL CONSULTATION.

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N I A D A L E G I S L AT I V E U P D AT E S

NIADA Previews Its Legislative Agenda As leaders from NIADA and its state affiliates met in the nation’s capitol in October, they outlined the issues and topics that will prove to impact independent dealers in the years to come.

“M

ake Your Voice Heard,” was the theme for the NIADA National Leadership Conference and Legislative Summit held in Washington, D.C. the last week of October. NIADA officers and officials were joined by state leaders and delegates to review current legislation and regulations, strategize on pending legislation and build contacts with some of the most powerful people in the country.

Among the top priorities of the conference was the discussion of two legislative issues that will have direct impact on the used car industry.

H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act and the topic of Used Car Recalls were explained and put in context for conference attendees. Here is a recap of what was discussed:

H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act

In March 2013, the Consumer Financial Protection Bureau (CFPB) issued guidance aimed at eliminating what the CFPB believed was a risk of discrimination in indirect lending in automobile financing.

The CFPB’s action will adversely impact dealers’ ability to discount interest rates offered to consumers.

The guidance document was issued without any input from the industry or without studying how the guidance would impact the cost of credit to 14 — Independent Dealer —November 2015

consumers. H.R. 1737 would rescind the CFPB’s indirect lending guidance position and require the CFPB to solicit public comment before issuing any automotive financing related guidance in the future.

Most car buyers choose to finance their vehicle purchase through dealerassisted financing at the dealership.

As a result, it is not uncommon for dealers to discount interest rates in order to ensure the customer can get financed. The CFPB claims that this dealer-assisted financing model and the compensation policies finance companies use to pay pressures finance companies into compensating dealers by a “flat fee” that dealers cannot discount for their customers. “Flat fee” compensation does not provide dealers with the flexibility to match or provide lower interest rates offered by competitors.

Since releasing the guidance document, various members of Congress have sent 11 letters to the CFPB asking them to release the complete methodology it uses to determine whether a disparate impact exists. Despite these requests and promises from Director Cordray to release a white paper with this methodology, the CFPB has not yet publicly provided all of the details of its methodology.

Reps. Frank Guinta (R-IN) and Ed Perlmutter (D-CO) introduced H.R.

1737, the “Reforming CFPB Indirect Auto Financing Guidance Act.” This bill, which has NIADA’s full support, would rescind the CFPB’s indirect lending guidance document, but would permit the CFPB to reissue it after a thorough, transparent process.

H.R. 1737 currently has 155 bipartisan cosponsors. On July 29, the bill passed the House Financial Services Committee 47-10 with 13 Democrat votes. Members of Congress are urged to cosponsor H.R. 1737 and vote for the bill when it comes to the floor for a full vote.

Used Car Recalls

Congress is considering several legislative proposals that would prohibit the sale, lease, or rental of any used motor vehicle with an open recall. These bills harm both consumers and the independent motor vehicle dealer while doing nothing to improve recall completion rates.

NIADA is concerned about consumer safety and believes in selling safe vehicles. However, any legislation involving used motor vehicle recalls must be designed to improve recall completion rates, which current proposals do not do.

The current recall process is controlled by three entities: the manufacturers, the franchised dealers, and the federal government. Independent dealers have no control over whether a vehicle should be subject to recall, the parts availability necessary to fix that vehicle, or the actual ability to fix the vehicle. Independent dealers are no different in that regard than any private owner of a vehicle with an open recall.

NIADA and its members successfully defeated an effort in the Senate by Sen. Blumenthal (D-CT) to attach an amendment to the Senate version of the Highway Bill that would have grounded used vehicles with www.fiada.com

recalls until those recalls were fixed.

However, the Senate passed Highway Bill contains a provision that would prohibit “rental car companies” (5 or more rentals or loaners) from renting vehicles subject to an open recall.

Rep. Schakowsky (D-IL) introduced H.R. 1181, which would ground all used vehicles under open recall sold at a dealership (but not private sales) and Rep. Capps (D-CA) introduced H.R. 2198, which prohibits “rental car companies” from renting vehicles (and loaners) with an open recall.

NIADA is opposed to these bills and any legislation that requires independent dealers to ground motor vehicles subject to recall until those recalls are repaired. Due to factors outside of the independent dealers’ control, a great number of recalled vehicles often do not have a fix readily available. Even when a fix is available for some vehicles subject to recall, it is often not readily available for others subject to that same recall. Parts availability can also be affected by the safety priority placed upon the recall given the vast array of recalls that exist. Due to a shortage of automobile parts, independent dealers may not get their inventory repaired as quickly as the franchise dealer fixing its own inventory or their customer’s inventory. Independent dealers will be last in line for a remedy.

The House is currently considering its version of the Highway Bill. It is expected that H.R. 1181 and H.R. 2198 will be offered as amendments during the committee markup process and/or on the House floor. Members of the House are encouraged to vote against these two provisions. www.fiada.com

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Like the Blumenthal amendment and the Senate passed “rental car company” provision, these bills treat all vehicles with any open recall the same.

www.FIADA.com INFORMATION WHEN YOU NEED, WHEN YOU NEED IT!

Can’t find what you’re looking for? Call us at (800) 237-0448.

FIADA.com is the online hub for all your member benefits and services.

Members can log-on any time to get education, information and current events. FIADA.com has a complete resource library available for dealers and their staff as well as helpful links, and virtual courses.

November 2015 — Independent Dealer — 15

R E G U L AT O R Y R E M I N D E R

Operation Collection Protection Puts the Heat on Illegal Debt Tactics Consider yourself warned. The FTC is on the look out for debt collectors who are not following the rules and ready to prosecute violators when they are found .

F

or debt collectors who resort to illegal tactics, it must feel like 110 in the shade because 115 law enforcement actions announced this year by the FTC and local, state, federal, and international partners – including 30 just-filed cases – have turned up the heat on law violators.

From Buffalo to San Diego and dozens of jurisdictions in between, companies that flout debt collection standards are feeling the burn.

Operation Collection Protection sends the unmistakable message that law enforcers have locked arms in the fight against debt collection gone bad. Coordinated actions by the FTC, Department of Justice, CFPB, 47 state AGs, 17 state regulators, local authorities, and one Canadian agency target a broad range of illegal conduct – abusive collection calls, bogus threats of arrest or lawsuit, deceptive debt buying practices, phantom debt scams, and violations of pretty much every provision of the Fair Debt Collection Practices Act. The defendants, too, represent the breadth of the industry. Some actions target egregious practices by rogue individuals. Others in the hot seat include some of the biggest names in the business whose illegal conduct affected thousands of consumers.

Remedies include asset freezes, injunctions, and millions in redress and civil penalties.

In March 2013, the Consumer Financial Protection Bureau (CFPB)

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issued guidance aimed at eliminating what the CFPB believed was a risk of discrimination in indirect lending in automobile financing. The CFPB’s action will adversely impact dealers’ ability to discount interest rates offered to consumers. The guidance document was issued without any input from the industry or without studying how the guidance would impact the cost of credit to consumers. H.R. 1737 would rescind the CFPB’s indirect lending guidance position and require the CFPB to solicit public comment before issuing any automotive financing related guidance in the future.

What can companies take from Operation Collection Protection?

• Illegal debt collection practices are sitting smack in the center of the FTC’s radar screen. New cases filed by the FTC include actions against Delaware Solutions, BAM Financial, and a third lawsuit still under seal. We also announced settlements in pending actions against National Check Registry, LLC, and K.I.P., LLC. (We’ll dive into the details of those cases in future posts, including more about our partnerships with the New York AG in Delaware Solutions and the Illinois AG in K.I.P.) Add it all up and since 2010, the FTC has sued more than 250 debt collectors and secured judgments of almost $350 million. 86 companies and individuals have found themselves 86ed from the industry – outright banned from ever collecting debts again.

•

•

•

The stakes just got higher: Violations can result in prison time. Illegal debt collection practices don’t just risk the wrath of civil enforcers and regulatory agencies. They can land collectors behind bars, too. As part of Operation Collection Protection, 19 individuals face indictment, have pleaded guilty, or have been convicted of criminal charges. One scammer was sentenced to more than 17 years in prison for actions stemming from a phantom debt collection operation that targeted Spanish-speaking consumers. A federal judge in Miami handed down a 13-year sentence against a related defendant.

Enforcement partners have created a united front against debt collection abuses. In 2014, consumers filed more than 280,000 complaints with federal agencies related to debt collection, earning the industry the unenviable chant of “We’re #1.” When law enforcers join forces, the FTC can work more effectively to help protect the 35 percent of Americans with credit records who have past-due debts on their reports.

Industry members have a role to play, too. There’s another partner whose cooperation is key in rooting out illegal practices and encouraging compliance. The FTC has reached out to members of the debt collection industry to work collaboratively to stop questionable practices before they start.

Read more at www.FTC.gov. www.fiada.com

www.fiada.com

November 2015 — Independent Dealer — 17

UPCOMING EVENTS January 2016 Jan. 22-23, 2016

FIADA Town Hall and Board Meeting

Boca Raton Marriott at Boca Center 5150 Town Center Circle, Boca Raton, FL 33486

April/May 2016 April 28 - May 1, 2016

FIADA Board Meeting Cruise Royal Caribbean Cruise Independence of the Seas 3 night Bahama Cruise

July 2016 July 15-16, 2016

FIADA Town Hall & Board Meeting

Daytona Beach Resort & Conference Center 2700 N Atlantic Ave, Daytona Beach, FL 32118

October 2016

March 2016 March 23-26, 2016 NIADA State Association & State Officers Meeting Omni Dallas Hotel Dallas, TX

June 2016 June 13-16, 2016 NIADA Annual Convention & Expo The Mirage Las Vegas, NV

September 2016 September 26-29, 2016 NIADA Leadership Conference & Day on the Hill The DuPont Circle Hotel Washington, DC

October 20-22, 2016

FIADA Annual Convention & Trade Show

Renaissance Orlando at Sea World 6677 Sea Harbor Dr. Orlando, FL 32821

—November 18 — Independent Dealer — November2015 2015

Registration for FIADA events can be made anytime at www.FIADA.com

Registration for NIADA events can be made anytime at www.NIADA.com www.fiada.com

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November 2015 — Independent Dealer — 19

F I A D A L E G I S L AT I V E U P D AT E

Mark Your Calendar!

Looking Ahead to 2016

BY SANDRA MORTHAM, FIADA LOBBYIST

FIADA honors a helpful legislative partner while preparing its agenda for the upcoming legislative session.

T

hanks to Rep. Greg Steube from Sarasota for attending our annual meeting. He received our FIADA Legislator of the Year for 2015 as a result of shepherding our change to the Curbstoning law. As a result of his diligence, he was able to incorporate this issue into the original Highway Safety bill which ultimately passed on the very last day of Session in the Senate.

Rep. Steube stressed to the audience the importance of involvement in the process. He indicated that there is nothing like relationships and getting to your legislator when an issue is important to you. A call from a local constituent means a great deal to your legislator. Rep. Steube also encouraged people to become involved in the political process.

It should be noted that FIADA presented Rep. Steube earlier this year with $1000 for the upcoming election cycle. He was extremely appreciative of FIADA’s support.

Legislative Chair Dino Mercurio (L) and President Jim Winterick, Sr. (R) present Rep. Greg Steube with the Legislator of the Year award.

If you haven’t yet joined the FIADA political action committee, it is easy and painless. You can make a single contribution or monthly payments on your credit card.

Thanks to all those who participate because it certainly makes an impact in Tallahassee! Below is a list of this year’s PAC contributors.

PAC CONTRIBUTIONS: $20,014 (68% of our $30,000 goal)

FIADA

POLITICAL ACTION COMMITTEE

GOLD DONORS AutoMaxx Butler Auto Recycling Car Credit

Central Florida Auto Wholesale, Inc. Credit Cars Gulfstream Motor Credit Co.

Leedom Group Mortham Governmental Consultants Noegel’s Auto Sales

Prime Autos Southeast Car Agency, Inc. Wheel City Florida

Frontier Motors, Inc. Galeria Auto Mart, Inc. Gen-X Motors General Auto, LLC Got Car Auto Brokers LLC Hermanos Auto Wholesale DBA The Car Shack Ian’s Auto Exports Inc. dba Ebenzz Motors J & C Auto Sales

John Rogers Used Cars Lake Park Auto Brokers Lockhart Auto Sales M & M Auto Sales Marianna Motor Co P.A.C. Palm Tree Auto Sales PCT Enterprises Of FL, LLC Ray’s Motor Sales, Inc.

Richard Bell Auto Sales Roney Auto Sales Silverauto Splish Splash Auto Sales, Inc. Tallahassee Auto Auction The Garage Inc Timeless Motors Tom Bush Auto Plex Turnpike Motors

W.C. Morrison Wheel City Auto Finance Centers Wheel City Florida, Inc. William H. Fenton Co., Inc. Williams & Stazzone Insurance Agency, Inc. Xpress Finance, Inc. ZH Capital Holdings

SILVER DONORS ABC Autos, Inc. Ace Motors Inc Adesa Angelo Auto Wholesale Answer One Motors Auto Use Autoflex LLC Automatch USA Autorama Auto Sales BC Motor Company, Inc.

Bond Auto Sales, Inc. Buyer’s Zone, Inc. Cassat Auto Sales Century Motors of S. Fla., Inc. Citrus Auto Trader Don Scott Edison Bridge Auto Sales Florida Auto Dealer School Florida Auto Exchange & Remarketing LLC.

20 — Independent Dealer —November 2015

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BRONZE DONORS 3445 Car Store, Inc. 3D auto Rental 700 Credit A & A Auto Sales, Inc. A & B A/S of Jacksonville, Inc. A & J Mobility Inc. dba Mobility Express A.R.A. GPS Systems, Inc. AAA Asset Recovery Inc. ABCOA/Deal Pack Software Ace Motor Acceptance Ace Motors Inc Advance Auto Brokers, Inc. Advanced Vehicle Modifications, Inc AFS Acceptance LLC Alley’s Auto Wholesale America Choice RV America’s Auto Auction Jacksonville American Classic Car Sales American Recovery Association Americas A/APensacola Anderson’s Affordable Auto Andrew Thomas Motorcars AP Motorsales LLC Ashton Agency, Inc. Auction123.com Auto Add-Ons, Inc. Auto Data Direct Auto Dealer Solutions LLC Auto Dealers Wholesale Auto Express Enterprises, Inc. Auto Express South Auto Mart #1, LLC Auto Miami Group Auto Plan, Inc. Auto Sales of Winter Garden, LLC Auto Select Auto Superstore of Orlando LLC Autoline Preowned Automax Automotive Fleet Enterprises AutoRaptor CRM Autoshopper.com Magazine B & C AutoNet B & E Autos Bargain Auto Sales of Lakeland, Inc. Bavarian Auto Sales Beach Boulevard Automotive Beford Auto

Big Boys Toys Florida, LLC Big O’s Northside Auto Sales Black Book Blue Heaven Auto Sales Inc BNM Enterprises, LLC Bob Oliva Motors, Inc. Bonita Auto Center Inc. Braman Motorcars Bubba Hill Auto Plaza, Inc. Bud Lawrence Used Cars C & D Auto Exchange Car Biz 2, Inc. Car Buying Service of Jacksonville Car Collection of Tampa Car Solutions LLC Car Spot of Central Florida Car Surplus Inc. Car Today, Inc. Car-Time, Inc. CarBucks CARFAX Carma Automotive Group Carmax Auctions Cars & Us Inc Cars Inn, Inc. dba Lucky Cars Cars.Com Carsforsale.com Casey’s Auto Wholesale Celebrity Auto Group Central Florida Sales & Leasing Chaney’s Used Cars, Inc. Charleston Auto Auction Charlotte County RV Center, LLC Cherry Cars, Inc. Chicago Motors Inc Cochran Motorsports Inc College Auto Sales of FL, LLC Combs & Company Consumer Auto Credit Inc. Copart, Inc. Credit Cars USA Crown Motors of Tallahassee, Inc. CVR Dealer Funding, LLC Dealerbuilt DealerPlatform LLC Dealers Auto Auction Dealers Insurance Services, LLC Dewitt Motors

Diamond Warranty Corp.

Dick Moye Auto Sales, Inc. Dimension Motors Inc. Direct Auto Exchange, LLC DMC Motors of Florida Donny Mills Auto Sales, Inc. Drake Motor Company DriveTime Sales & Finance E-Z Pay Cars LLC Economy Motors Eddie Anderson Motors LLC Eddie Mercer Automotive Elite Autos Encore Motorcars of Sarasota ESC Sales Inc Evans Auto Sales Everyone Drives Auto Sales, LLC Evolution Auto Ex-Change Auto, Inc. Excel National Trailer Fett Motors, Inc. FH Equipments INC. Fidelis PPM Financial Insurance Brokers International Fire House Auto Sales Inc First Auto Sales First Coast Auto Sales First One Auto Sales, LLC First Place Auto Sales Inc FirstSun Financial, Inc. Fisher & Phillips LLP Fleet Lease Disposal Fleet Street Remarketing Floorplan Xpress LLC Florida Auto Auction Properties dba ABC Orlando Auto Auction Florida Auto Exchange Co. Florida Autosport, Inc. Florida Credit Union Florida Fine Cars Inc Foreign Affairs Auto Foreman Motors, Inc. Frazer Computing, Inc. Freeland Moore dba Harbor Nissan G & D Auto Sales Corporation Gateway Auto Sales, Inc. Gibson Truck World

Go Auto Exchange GO Financial Godby Enterprises Goldstar GPS guided by Spireon Gorilla Custom Motors, Inc. Greenfield USA Wholesale LLC Greenlight Motors LLC Greenway Auto Sales Harold D. Corey Auto Broker HH Sales, LLC High Tech Locksmiths Highway Motors Inc Holcombe USA, Inc. dba Autoshow Sales & Service Hometown Auto Mart, Inc. Hospitality Motors Hual’s Bikes to Custom Trikes Independent Credit, Inc. Insurance Auto Auction Integrity Auto Sales, Inc. International Auto Group J-Linn Motors J.D. Byrider J.D. Sanders, Inc. Jaxtreme Auto Sales & Finance LLC JD Byrider of Bradenton Jeffs Auto Sales and Service, LLC Jimmie Wells Auto Sales, Inc. Just In Time Auto Sales Inc Kathy’s Kars Kicklighter Auto Sales LLC Killgore, Pearlman, Stamp, Ornstein & Squires, P.A King Insurance KPM Auto Exports Inc Larry’s Auto Service Center Lash Auto Sales Lazydays Le Bo Auto Brokers Lovering Auto Sales Macklin Automotive Co. Maher Chevrolet Mancini Automotive, Inc. Marbais Enterprises, Inc. MarkOne Financial Martinez & Associates, CPAs, P.A. Maxx Motors McKinna Auto Sales Mcphails Auto Sales

Mears Motor Leasing Mears Transportation Group MicroBilt Mike Hill Used Cars, Inc. Mike Kashtan’s Superior A/S Millenia Motors, Inc. Millennium Motors MJC Classic Cars LLC Mobility Styles Inc Moffa, Gainor, & Sutton, PA Motorgroup Mulligan Motors Inc. Najjar Auto Mall, Inc. dba Park Auto Mall National Dealer Services Nationwide Southeast LLC Next Car, Inc. NextGear Capital Nice Car, Inc. No. 1 Auto Sales, Inc. O’Donnell Automotive Ocala Auto Dealers Exchange Ocean Auto Sales of Miami, Inc. Off Lease Only Orange County Motors, Inc. Orlando Auto Auction Orlando Lawn Trucks LLC Outdoor Recreation World, Inc. Paradise Auto Brokers, Inc. Park Avenue Motors Park Motors, Inc. Parkway Auto Sales, Inc. Parkway Wrecker Service PassTime Paul Yoder Auto Sales, Inc. PCH 1 Motorsports Penske Truck Leasing Co LP Ponce Used Cars, Inc. Port Motors, Inc. Premier Motor Cars Prestige Auto Sales Pro-Power Auto Sales Company R & L Auto Wholesale Ray Whitts Used Cars RHRM Ride-Away Handicap Equipment, Inc. Riker’s Auto Financial RouteOne, LLC Royal Administration Services

RTG Auto Sales, LLC Sanfer Sports Cars, Inc. Sanmi Auto Express Schirras Auto Inc Sensible Auto Lending Sharp Deal Automobiles Corp.

Sides Cars-Trucks Skipper Limited, Inc. Skypatrol, LLC Somerset Automotive Sales South Side Kia Southeast Fleet Auto Sales, Inc. Southeastern Auto Auction Southside Autos, Inc. Stepanek’s A/S & Service, Inc. Strategic Dealer Services Sun Financial Holding LLC Sunrise Auto Mall Inc. Sunrise Financial Associates Super Cars Auto Sales, Inc. Tallahassee AutoFinance dba Gary Moulton Auto Center Tallahassee Salvage, Inc. Taylor Morgan, Inc. The Auto Village LLC Title Technologies, Inc. Tomlinson Motor Company Toy Store Traditional Motorsports Trinity Motors Ultimate Image Auto, Inc. United Acceptance, Inc. United Auto USA Corp Used Car Supermarket Vac-Con, Inc. Valdo Auto Sales Corp.

Vallejo Auto Sales Van’s Cars & Trucks Vehicle Clearing House Veneauto Cars Victory Auto Inc. Vip Auto Group Inc Wayne Reaves Computer Systems Wholesale Auto Advisors Inc. Woodall Auto Wholesale, Inc. WorldWide Motors LLC Yaris LLC Your Auction of Tampa Bay Your Wheels Auto Sales

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The 2015-2016 Executive Committee.

Updating members on legislative news (from L to R) Sandra Mortham, Rep. Steube and NIADA’s Steve Jordan.

Legislative Chair Dino Mercurio laying out the upcoming agenda.

Eagle Awards for Membership Recruitment.

(From L to R) Paul Matton and Kevin Scott.

Jim Winterick Sr. (R) presents the Eagle Award for Membership to Terry Myers (L).

—November 22 — Independent Dealer — November2015 2015

CONVENTION HIGHLIGHTS AND AWARDS

Scott Lanier of Credit Cars celebrates winning the Quality Dealer of the Year award with his family.

FIADA President Paul Matton with NIADA President Frank Fuzy.

Auto Data Direct’s Mike Saaman is recognized as Man of the Year.

FIADA Past President Jim Winterick, Sr. receives the crystal gavel from Lisette Mariner.

Manheim Jacksonville’s Toni Williams is honored as the Auction Person of the Year. www.fiada.com

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November 2015 — Independent Dealer — 23

Want to see more pictures with Marilyn?

Go online to www.FIADA.com and find all the convention photos, videos and fun.

—November 24 — Independent Dealer — November2015 2015

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November 2015 — Independent Dealer — 25

LEGAL ROUND-UP

A Look At Current Legal Issues

BY THOMAS B. HUDSON AND NICOLE FRUSH MUNRO, HUDSON COOK, LLC

A monthly collection of selected legislative and regulatory highlights, and a recap of some of the many auto sale and financing lawsuits followed each month.

COMPLIANCE TIP Do your deal jackets look like rats’ nests? Believe it or not, imposing order on the contents of your deal jackets will improve your compliance and reduce risks. If you have a checklist for each document you require for a deal jacket and every deal jacket has a specific place for each required document, you will be more likely to have complete files. Also, if there is no specific place for a document that someone’s trying to put into a deal jacket, that will raise the issue of whether the document is one that actually needs to be retained in the jacket. The result will be tighter compliance all the way around.

FEDERAL DEVELOPMENTS CFPB Makes “Stealth” Change in Reg. Z Disclosure Requirements.

Regulation Z Section 1026.18(k), requiring disclosure of prepayment penalties in closed-end transactions, was revised effective October 3, 2015. The section now states that in an obligation with a finance charge computed from time to time by applying a rate to the unpaid principal balance (e.g., a so-called “simple interest” retail installment sales contract), the prepayment penalty disclosure should indicate whether or not a charge may be imposed for partial or full prepayment (rather than just full, as previously required). This change was hidden in the new TILA/ RESPA Integrated Disclosure Rule for mortgage loans. The change may require updates to the prepayment disclosure in the federal box on installment sales and loan forms entered into by covered persons. The CFPB has not revised the prepayment language for this disclosure in the model forms it publishes, and creditors 26 — Independent Dealer —November 2015

will need to address the effect of this change on the TILA safe harbor provisions. Also, the Bureau’s change from the term “obligation” to “loan” calls into question the effect of the change with respect to credit sale transactions. In another odd twist, because the Federal Reserve has not yet changed its version of Regulation Z, this revision does not apply to dealers exempt from CFPB authority.

CFPB Targets Auto Finance Companies’ Collection Practices. On October 1, the CFPB announced a consent order with Westlake Services, LLC, an indirect auto finance company, and Wilshire Consumer Credit, LLC, a wholly-owned subsidiary of Westlake that offers and services auto title loans. The CFPB alleged that the companies used illegal debt collection tactics, changed due dates or extended the terms of title loans without the customers’ consent while misrepresenting to customers that the changes would be beneficial, and failed to clearly disclose the APRs of title loans in their advertisements. The CFPB also claimed that the companies provided false caller ID information, falsely threatened to refer customers for investigation or criminal prosecution, falsely implied that customers’ repossessed vehicles would be returned if the borrower made a partial payment, disclosed customers’ loan information to third parties, and paid a thirdparty repossession company to make debt collection calls to customers when the defendants allegedly had no intention to repossess the customers’ vehicles. Under the consent order, the companies must pay $44.1 million to customers and $4.25 million as a civil penalty, and must end deceptive debt

collection practices, protect customers’ private information, end unlawful advertisements, and give customers truthful information about their extensions of credit.

Goodbye, Arbitration Agreements. To no one’s surprise, on October 7th, the CFPB announced that it is considering proposing rules to ban consumer financial companies from using the sorts of arbitration agreements currently employed by creditors to reduce the risk of class action lawsuits.

The Dodd-Frank Act required the CFPB to study the use of arbitration clauses in consumer financial markets and gave it the power to issue regulations to protect consumers consistent with the study’s findings. The CFPB claims that its study - released in March - shows that arbitration clauses restrict consumers’ relief in disputes with financial service providers by allowing companies to block class action lawsuits and that, in the consumer finance markets studied (notably not including vehicle lease and financing), very few consumers seek individual relief through arbitration or the federal courts, while millions of consumers are eligible for relief each year through group settlements. The proposals would not ban arbitration clauses altogether, but the clauses would have to say explicitly that they do not apply to cases filed as class actions unless and until class certification is denied by the court or the class claims are dismissed in court. The proposals would also require that companies choosing to use arbitration clauses for individual disputes submit to the CFPB the claims filed and awards issued. The Bureau is considering publishing claims and awards on its website so the public can monitor them. www.fiada.com

LITIGATION Car Buyers Who Relied on Oral Statements that Contradicted Written Documents Entitled to Proceed on Fraud Claims: Consumers buying an SUV told the salesperson they could not afford payments greater than $300 per month. The salesperson told them their payments would be about $300 per month for 36 months. The finance person also told them that their payments would be around $300 per month and then asked them to sign various documents while hiding the text of the documents except for the area requiring a signature or initial.

When they got home, they reviewed the documents and noticed they were obligated to make 12 monthly payments of $882. They sued the dealership, alleging violations of the federal Truth in Lending Act and the Maryland Consumer Protection Act, fraud, and negligent misrepresentation, among other claims. The dealership moved for summary judgment, and the court granted the motion in part and denied it in part. The buyers alleged that the dealership violated TILA’s requirement to provide certain disclosures before credit is extended by preventing them from reading the documents they were asked to sign. The www.fiada.com

court granted summary judgment to the dealership on this claim with respect to statutory damages, finding that statutory damages are not available for timing violation claims, but did not grant summary judgment with respect to the claim for actual damages.

The buyers also alleged that the dealership committed fraud, made negligent misrepresentations, and violated the MCPA by orally representing that their payments would be significantly less than the documents provided. The dealership claimed that the buyers could not prove they reasonably relied on oral statements that were directly contradicted by documents. The court refused to grant summary judgment to the dealership on these claims, finding that it was reasonable for relatively unsophisticated buyers allegedly prevented from reading the documents to rely on the dealership’s oral representations about the monthly payments. See Price v. Berman’s Automotive, Inc., 2015 U.S. Dist. LEXIS 129823 (D. Md. September 28, 2015).

Assignee of Retail Installment Sale Contract Not Liable under TILA for Inconsistencies Between Contract and Sales Invoice: In connection with a vehicle sale, the dealership provided the buyer with a retail installment sale contract reciting a total purchase price of $33,877.89. The RISC and related documents were assigned to a finance company. The sales invoice listed the car’s price as $25,629 and the total price as $31,038.25.

With tax, the invoice listed the total price as $34,129.39. The buyer sued the dealership and the finance company for violations of the Truth in Lending Act, among other claims, for these inconsistencies.

The finance company moved for summary judgment, and a magistrate judge recommended that the court grant the motion.

The buyer argued that the finance company violated TILA because the RISC was “wildly inconsistent”

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FTC (Again) Targets Advertising. On October 20, the FTC approved final consent orders against two Las Vegas dealers that allegedly misrepresented the cost of cars in advertising. In June, TC Leadership LP, doing business as Planet Hyundai, and JS Autoworld Inc., d/b/a Planet Nissan, agreed to settle FTC charges that their ads included heavily discounted prices not generally available to consumers. The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate.

November 2015 — Independent Dealer — 27

28 — Independent Dealer —November 2015

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Dealer Lacked Duty to Investigate Driving History or License Status of Co-Buyer: Two individuals bought a car from a dealership. One of the buyers did not have a driver’s license, but produced a state ID as a form of identification.

Eight days after the sale, that buyer hit another individual with the car. The injured party sued the dealership for negligence and negligent entrustment.

The dealership moved for summary judgment, arguing that it owed the injured party no duty to investigate the co-buyer’s driving record and did not know or have reason to know that the buyer was likely to use the car in a risky manner. The trial court granted summary judgment for the dealership, and the injured party appealed. The Court of Appeals of Colorado affirmed, finding that the dealership did not owe a duty to the injured party to investigate the co-buyer’s license or driving history.

As a result, the injured party had no negligence claim. Next, the court decided that the dealership did not know or have reason to know that the co-buyer was likely to use the car in a way that would cause an unreasonable risk of physical harm to others simply because he did not produce a driver’s license when he bought the car. As a result, the dealership did not have a duty to prevent the sale. See Beasley v. Best Car Buys, Ltd., 2015 Colo. App. LEXIS 1535 (Colo.

App. October 8, 2015).

Tom (thudson@hudco.com) and Nikki (nmunro@hudco.com) are partners in the law firm of Hudson Cook, LLC. (410) 865-5411 or www.counselorlibrary.com. www.fiada.com

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with other transaction documents, especially with regard to the sales price.

However, the judge explained that, under TILA, an assignee of a contract is liable only if the violation is apparent on the face of the disclosure statement. In this case, the judge found that there were no violations apparent on the RISC, and, therefore, the finance company could not be liable for a TILA disclosure violation.

See Pierre v. Planet Automotive, Inc., 2015 U.S. Dist. LEXIS 134253 (E.D.N.Y. September 11, 2015).

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LEGAL ROUND-UP continued from Page 26

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November 2015 — Independent Dealer — 29

INDUSTRY NEWS Renewal Time For Franchised Dealers The Department of Highway Safety and Motor Vehicles reminds franchised dealers (VF) and service facility (SF) that it is time to renew their dealer license.

On October 14, 2015, the Department e-mailed renewal notices and applications to 1560 licensed franchised dealers. Renewal package was mailed to those dealers without an e-mail address. A completed renewal application form (HSMV 86720, “Renewal Application for Motor Vehicle, Mobile Home, or Recreational Vehicle Dealers”), fee and required documents must be submitted to the local Regional Office responsible for your dealership. This form is available on the Department’s website at http:// www.flhsmv.gov/html/forms.html. The Regional Office list can be accessed at http://www.flhsmv.gov/dmv/BUR_ Field_Ops_Address.pdf .

Dealers were also advised on Biennial Renewal Option: House Bill 7125 passed giving dealers the option for biennial renewal of their license.

This law went into effect on July 1, 2013. The Renewal form HSMV 86720 will allow for the option of renewing for a two-year period.

GWC Warranty Welcomes Kosko GWC Warranty , is proud to announce the arrival of a new dealer consultant in the Tampa area – Greg Kosko. Kosko is a 13-year veteran of the automotive warranty industry and will call upon existing GWC Warranty dealer partners and all used car dealers throughout the Tampa area to help them sell more cars with the assistance of GWC’s best-in-class service, products, training and technology.

—November 30 — Independent Dealer — November2015 2015

DMV Regional Offices Quick Reference Region I/IX Motor Vehicle Field Operations 1135 Banks Road Margate, Florida 33063 Phone: (954) 969-4216 FAX: (954) 969-4237 Responsible for Broward County 901 Northpoint Parkway, Suites 115 & 116 West Palm Beach, Florida 33407 Phone: (561) 640-6820 FAX: (561) 640-6835 Responsible for Indian River, Okeechobee, Martin, Palm Beach and St. Lucie Counties Region II Motor Vehicle Field Operations 318 Southeast 25th Avenue Ocala, Florida 34471 Phone: (352) 732-1267 FAX: (352) 732-1459 Responsible for Alachua, Columbia, Gilchrist, Lake, Levy, Marion and Putnam Counties Region III Motor Vehicle Field Operations 3200 Armsdale Road, Suite 13 Jacksonville, Florida 32218 Phone: (904) 924-1524 FAX: (904) 924-1525 Responsible for Baker, Bradford, Clay, Flagler, Duval, Nassau, St. Johns and Union Counties Region IV, V Motor Vehicle Field Operations 2575 South Volusia Ave., Suite 300 Orange City, Florida 32763 Phone: (386) 736-5107 FAX: (386) 775-5233 Responsible for Brevard, Seminole and Volusia Counties 4101 Clarcona-Ocoee Rd., Suite 160 Orlando, Florida 32810 Phone: (407) 445-7400 FAX: (407) 445-7411 Responsible for Orange and Osceola Counties Region VI Motor Vehicle Field Operations NET PARK, Suite 2228 5701 East Hillsborough Avenue Tampa, Florida 33610 Phone: (813) 612-7110 FAX: (813) 612-7111 Responsible for Citrus, Hernando, Hillsborough, Pasco, Pinellas, Polk and Sumter Counties

Region VII Motor Vehicle Field Operations Neil Kirkman Building 2900 Apalachee Parkway, Room B-142, MS-76 Tallahassee, Florida 32399-0600 Phone: (850) 617-2999 FAX: (850) 617-5180 Responsible for Dixie, Franklin, Gadsden, Hamilton, Jefferson, Lafayette, Leon, Liberty, Madison, Suwanee, Taylor and Wakulla Counties Region VII Motor Vehicle Field Operations Neil Kirkman Building 2900 Apalachee Parkway, Room B-142, MS-76 Tallahassee, Florida 32399-0600 Phone: (850) 617-2999 FAX: (850) 617-5180 Responsible for Dixie, Franklin, Gadsden, Hamilton, Jefferson, Lafayette, Leon, Liberty, Madison, Suwanee, Taylor and Wakulla Counties Region VII - Pensacola Sub-Office 100 Stumpfield Road Pensacola, Florida 32503 Phone: (850) 475-5415 FAX: (850) 475-5423 Responsible for Escambia, Okaloosa and Santa Rosa Counties Region VIII Motor Vehicle Field Operations 323 10th Avenue West, Suite 200 Palmetto, Florida 34221 Phone: (941) 723-4551 FAX: (941) 723-4553 Responsible for Charlotte, Collier, Desoto, Glades, Hardee, Hendry, Highlands, Lee, Manatee and Sarasota Counties Region X Motor Vehicle Field Operations 7795 West Flagler Street Suite 82C Miami, Florida 33144 Phone: (305) 265-3003 FAX: (305) 265-3060 Responsible for Dade and Monroe Counties Cut this list out and keep it handy, or go online to http://www.flhsmv.gov/dmv/bur_field_ ops_address.pdf and print out a full-page version. www.fiada.com

2014-2015 FIADA EXECUTIVE COMMITTEE:

LISA COMPAGNO Senior Vice President Palm Tree Auto Sales Stuart, FL (772) 288-2099

JIM WINTERICK, SR. Chairman of the Board Gulfstream Motor Credit Miami, FL (305) 253-2335

GOVINDA ROMERO Secretary Autoflex LLC Gainesville, FL (407) 468-9974

PHIL RISLEY BRANDI NOEGEL Regional Vice President Regional Vice President Noegel’s Auto Sales Cars & Credit of Jacksonville Jacksonville, FL Starke, FL (904) 616-4074 (904) 964-6461

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BRAD JOEL CHRISTOPHER LEEDOM STEVE MARBAIS, CMD Regional Vice President Regional Vice President Regional Vice President Splish Splash Auto Sales Marbais Enterprises, Inc. AutoMaxx Princeton, FL 33032 Ocoee, FL Sarasota, FL (305) 258-1191 (407) 877-7422 (941) 309-1111

SCOTT LANIER Treasurer Credit Cars Orlando, FL 32808 (407) 295-6211

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November 2015 — Independent Dealer — 31

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PAUL MATTON President Park Auto Mall Pinellas Park, FL (727) 639-1112

MANHEIM FLORIDA ALWAYS NEARBY.

Manheim Daytona Beach 1305 Indian Lake Road Daytona Beach, FL 32124 386.255.2500 Sale: Wed 3 PM Total Resource Auction every Wed 2:30 PM Manheim Fort Lauderdale 5353 S State Road 7 Davie, FL 33314 954.791.3520 Sale: Fri 9 AM Total Resource Auction Tue 9 AM Ford Open Sale every other Fri Manheim Fort Myers 2100 Rockfill Rd Fort Myers, FL 33916 239.476.9800 Sale: Wed 4 PM Total Resource Auction every other Wed 3 PM Specialty Sale last Wed monthly 2 PM Galloway Direct Off Site Sale 2nd & 4th Tues 12 PM Manheim Jacksonville 10817 New Kings Rd Jacksonville, FL 32219 904.768.9981 Sale: Thurs 1 PM Total Resource Auction every Thurs 12:40 PM Manheim Lakeland 8025 N State Road 33 Lakeland, FL 33809 863.984.1551 Sale: Wed 2 PM Specialty RV/Boat Sale 1st Wed monthly 9 AM

Manheim Orlando 11801 W Colonial Dr Ocoee, FL 34761 Sale: Tues 9 AM Highline Exotic Sale Kicks off every 4th Tues 11 AM with Mercedes & BMW Chrysler Closed Factory Sale bi-weekly on Mon 12:30 PM GM Closed Sales bi-weekly on Mon 1 PM Nissan Infiniti Closed Sale 1st Wed monthly 9 AM Manheim Palm Beach 600 Sansbury Way West Palm Beach, FL 33411 561.790.1200 Sale: Thursday 9 AM Exotic Highline Sale every 4th Wed 9:30 AM Manheim St Pete 14950 Roosevelt Blvd Clearwater, FL 33762 727.531.7717 Sale: Thurs Weekly 2:30 PM inops Regular Sale 3 PM Manheim Tampa 401 S 50th St Tampa, FL 33619 813.247.1666 Sale: Thursday 9 AM Total Resource Auction Mon 9:30 AM at Cone Road location Ford Factory Sale every other Wed 10 AM Manheim Caribbean 1050 Carretera 865 KM 4.7 Bo. Candelaria Toa Baja, PR 00949 787.261.7300 Sale: Thurs 12 PM Salvage Sale Thurs 11 AM

32 — Independent Dealer —November 2015

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