photocopying most government id cards is illegal

Photocopying most government ID cards is illegal

Charles Campbell Articles

According to recent inquiries and concerns put forth by various industry managers, along with a couple of industry lenders, it seems that many are unaware of the penalties associated with photocopying most government identification issued by the federal government, which is a violation of Title 18, US Code Part I, …

The “Bourbon Street Vendor”

Charles Campbell Articles

It certainly is a mystery as to how any dealership in the RV industry would allow themselves to stroll down the path to becoming the retail equivalent of the “Bourbon Street Vendor.” You know, the guy standing on the corner of Upper Bourbon Street during the Mardi Gras pedaling everything …

Sexual Harassment – A New Awakening to an Age-old Violation

Charles Campbell Articles

What do the names President Bill Clinton, Harvey Weinstein, Matt Lauer, Roy Price, Kevin Spacey, President George H.W. Bush, and many other high-profile names have to do with the RV industry? For a starter, they have provided energy to a new awakening of an age-old workplace violation. That violation is …

Opinion: Who is really in charge of your dealership?

Charles Campbell Articles

As seen in May 31, 2017 in Opinion, RV Industry News Recently, it appears I have received an abnormal number of calls involving overall management control of dealerships. Perhaps the recent few years of an upswing in RV dealership profitability and/or highly noticeable increased sales volume has allowed dealer principals …

Military Lending Act (MLA) Amended Interpretation

Charles Campbell Articles

On December 14, 2017, the Department of Defense (DOD), without any advanced notice, issued an amended “Interpretive Guidance” of the Military Lending Act (MLA). Among other provisions, the Talent-Nelson Military Lending Act (MLA), 10 U.S.C. § 987, enacted in 2006, imposes a 36% interest rate cap, bans mandatory arbitration, and …

A Touch On Advertising

Charles Campbell Articles

Advertising is essential to conducting business as a dealership. It requires a significant amount if skill to create adds that will entice customers and still meet federal, state, and local regulations. Take the example shown below:     At first glance, this add looks terrific. However, upon further inspection, this …

Not Knowing How to Read Can Cost You – Title and VIN Requirements

Charles Campbell Articles

An Alaska Supreme Court decision spells potential trouble for RV dealers across the nation because of the precedent setting nature of the case, declaring an RV dealership has the responsibility to verify the work of a state motor vehicle’s department (Borgen vs A&M-Alaska). “The court basically ruled that if a …

Inspect What You Expect – F&I for Today and Tomorrow

Charles Campbell Articles

As seen in RV Executive Today – Official publication of the RVDA, The National RV Dealers Association The past years have certainly provided dealerships with plenty of reasons to review, revamp, and restructure the way they conduct business. This is certainly true when it comes to the F&I office. The …

The Profit Centers of a Dealership

Charles Campbell Articles

  An issue that seems to cause some confusion lately is exactly what are the “Profit Centers” of the typical dealership. Of course, this might differ slightly depending upon the size, complexity and make up of the dealership. However, there is an accepted format for this. Without a format that …

A Picture is Worth a Thousand Words

Charles Campbell Articles

As seen in several Industry journals. There is a cliché that originated from an old Chinese proverb that says “A picture is worth a thousand words.” I would propose to you that this picture most certainly falls within this category. I remember way back in the late 1980’s having David …

Is Your Dealership Complying with the OFAC Mandate?

Charles Campbell Articles

As seen in RV Executive Eliot Ness, the FBI agent responsible for bringing down the notorious Al Capone, had a simple plan. Ness convinced his superiors to, “Follow the Money and you will find the bad guys.” He was right, and this approach has been used by various law enforcement …

Be Careful with Disclosures and Ancillary Products

Charles Campbell Articles

There remains a great deal of confusion concerning the proper, and compliant, manner in which a dealership is permitted to discuss payments with a consumer when there is an ancillary product to be sold, and incorporated within the financing. With the recent fears created by the vast amount of compliance …

Adverse Action Notices

Charles Campbell Articles

As seen in RV Executive Today, the Official publication of the RVDA, The National RV Dealers Association (June 2009) The Adverse Action Notice is one area that can, and does, deliver nightmares to dealerships caught unaware, or unprepared. An Adverse Action Notice is a formal notification that creditors must send to consumers who …

Dealership Job Descriptions

Charles Campbell Articles

The below listed job descriptions are provided as a general overview for the various positions. It should go without much discussion that these are provided as general overviews and no single job description applies to the needs, wants and applications of every dealership. Each dealership may find it necessary and …