The recent rash of data breaches has heightened the risk of personal identity theft throughout the country. In fact, three dealerships with robust Red Flags programs and processes in place recently experienced alarming incidents involving identity theft.

It is difficult to find a document in the paper trail that helps a dealership with its compliance story more than the menu. When a menu is properly executed, it affirms the agreement in the sales department, clearly sets out that the products selected in F&I are optional, fully discloses the payment walk, and closes the F&I sale — in two pages, one process.

As the industry is moving, in varying degrees, from manual processes to digital processes, the desking process is one process that is ripe for digitization — perhaps even at the top of the list of the processes that should be converted.

I attended an event at a football stadium. The line to the men’s restroom wound out the door as guys patiently waited their turn to use one of 19 urinals or five stalls. Interestingly, there was not a wait to use the four sinks. This recurring theme has always made me shake my head with bewilderment — so much so that I decided to conduct an informal, unscientific survey of washroom attendants.

Paul Simon rode up the pop charts in the mid-’70s with “Kodachrome,” a song that extolled the virtues of Kodak camera film. Buy a roll, take some pictures, get it developed at the local photo shop, and return a week later to be disappointed.

Some dealership managers falsely believe manipulating a credit application to improve the likelihood of obtaining a credit approval is a victimless crime. The reality is there are a handful of potential victims from a manager’s decision to kink a credit app, including the manager’s family when he or she is jailed for the crime.