Terry O'Loughlin

Contributor

Terry O’Loughlin is director of compliance for Reynolds and Reynolds and is admitted to the Pennsylvania and Florida bars. Before joining Reynolds, he was employed by the Florida Office of the Attorney General, where he investigated automobile dealers and financing sources. He previously was a public accountant.

Digital Cover Features•by Terry O'Loughlin•February 1, 2026

What to Expect in 2026 - New Rules and Regulations on the Horizon

In Trump’s first year, just 60,917 pages were printed in the Federal Register, the official journal of the federal government, down 42%.

Articles•by Terry O'Loughlin•February 3, 2021

When The Federal Trade Commission Speaks, Dealers Should Listen

If dealers observe a modicum of compliance protocols, they can contain almost all regulatory perils. Dealers and their trade organizations are a formidable political force and should be lobbying together.

Articles•by Terry O'Loughlin•September 9, 2020

Down the Road: Selling Cars Remotely

The coronavirus appears to be driving the automotive industry to selling vehicles remotely, a radical departure from the traditional dealer model. By identifying the issues that dealers need to contemplate, we find some solutions to the new direction we’re heading.

Articles•by Terry O'Loughlin•May 22, 2020

CREAM PUFFS, SLEDS, & CLUNKERS – A COMPLIANCE COMPENDIUM FOR USED VEHICLE SALES

The disparity between the cost of new vehicles versus used vehicles has been increasing over the past 10 years. With this changing sales dynamic, compliance issues regarding used vehicle sales are growing in significance.

Articles•by Terry O'Loughlin•March 31, 2020

You Breathe, You Drive

Is the traditional credit allocation approach the only manner for the extension of credit? Or, are there alternatives?

Articles•by Terry O'Loughlin•February 28, 2020

A Rose by Any Other Name Doesn’t Smell as Sweet

Every member of the F&I industry can help protect its reputation by sticking to the terms that elevate, rather than denigrate, this important part of the car buying and ownership process.

Articles•by Terry O'Loughlin•October 31, 2019

Should Dealers Self-Report Legal Violations?

Self-reporting compliance issues is an honorable notion and one propagated by CFPB guidance. Former regulator suggests dealers take such matters seriously but stop short of reporting — with certain exceptions.

Articles•by Terry O'Loughlin•July 17, 2019

Arcane Issues and the Nature of Contracts

Attorney and compliance expert offers a primer on dealership documentation for P&A executives.

Articles•by Terry O'Loughlin•April 16, 2019

Is There Money In an Ethics Program?

A code of ethics adopted by every dealership would go a long way toward improving the industry’s image and would likely result in increased F&I production.

Articles•by Terry O'Loughlin•January 17, 2019

A Modest Proposal and a Silent Legal Threat

Econtracting does not relieve dealers of the ink-and-paper requirements set forth by state and federal authorities.

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