Pillar 02Retain gross
F&I Revenue and Compliance
Know what every finance deal kept.
Connect booked gross, product and seller authority, disclosure, fulfillment, cancellations, chargebacks, and retained gross in one reviewable deal record.
Review gross integritySignature scene
F&I Gross Integrity Ledger
A representative finance deal moves from booked reserve, fees, and eligible dealer-authorized products through cancellations, chargebacks, unresolved reconciliation, retained gross, and the authority and fulfillment evidence that qualifies each state.
Representative workflow · Activates only for authorized sources and signed scope
Gross enters by layer
- 01ReserveBooked layer
- 02FeesBooked layer
- 03Eligible dealer-authorized productsBooked layer
Booked is not yet retained
- CancellationsAdjustment state
- ChargebacksAdjustment state
- Unresolved reconciliationOpen record
- Retained grossQualified retained state
See how the sample state becomes an accountable next decision.
Follow the decision traceRepresentative decision trace
From source signal to a result that holds.
One representative path shows the economic consequence, accountable owner, decision, proof, and later test without exposing the full intelligence catalogue.
Signal
deal, product, reserve, and chargeback sources
Consequence
booked-to-retained gross consequence
Owner
F&I, accounting, or designated compliance owner
Decision
sell, correct, reconcile, or escalate
Proof
deal and fulfillment evidence
Hold test
later batch and chargeback-window hold test
Representative signal
Enough context to make the next call.
One example, kept with its authorized source class, native measure, and decision. The full review set is scoped in the signed statement of work.
Booked-to-retained gross
- Authorized source class
- Authorized deal, reserve, fee, cancellation, and chargeback records
- Native measure
- Booked gross, cancellations, chargebacks, and retained gross
- Decision unlocked
- Reconcile retained gross or investigate an unresolved exception
Control and proof
The action and the evidence stay together.
- AOperating control
- Keep product eligibility, seller authority, disclosure, fulfillment, and retained-gross exceptions inside the dealer-approved F&I review path.
- BProof artifact
- The deal record, authority and disclosure state, fulfillment evidence, and later chargeback-window result.
Regulatory overlay
Protect the right to earn it
Product, seller or representative authority, disclosure, and fulfillment conditions remain visible beside the economics for eligible, dealer-authorized product classes.
Product, seller, disclosure, and fulfillment requirements must be confirmed against current official sources and product-specific counsel before dealer action.
Next decision
Start with the decision worth seeing clearly.
Use a focused mini-audit to identify the source trail, economic consequence, accountable owner, and proof standard for one priority area.
Request the free mini-audit