Pillar 02Retain gross
F&I Revenue and Compliance
Know what every finance deal kept.
See what a deal booked, what it kept, and why the difference happened.
Review gross integrity- Economic truthRetain gross
- SignalBooked-to-retained gross
- Accountable actionsell, correct, reconcile, or escalate
- Verificationlater batch and chargeback-window hold test
- Receiptdeal and fulfillment evidence
Signal
F&I Gross Integrity Ledger
A finance deal, traced from what it booked to what it kept, with the cancellations and chargebacks in between.
Representative workflow · Authorized sources and signed scope only
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
Accountable action
One signal. One accountable path.
The source, consequence, owner, decision, proof, and hold test stay connected.
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
Verification
Test whether the action held.
- AAccountable control
- Eligibility, authority and disclosure exceptions stay inside your approved F&I review path.
- BHold test
- later batch and chargeback-window hold test
Receipt and next decision
Keep the evidence. Continue with purpose.
Carry the source trail, accountable action, verification result, and claim boundary into the next review.
- Evidence receipt
- The deal record, authority and disclosure state, fulfillment evidence, and later chargeback-window result.