F&I Sentinel

F&I Sentinel believes compliance shouldn't be a fire drill - it should be an advantage.

We help auto lenders, dealers, and product providers ensure vehicle protection products are compliant - not just at the time of sale, but for the life of the product.

Here’s how:

Validate F&I products with managed originations:

We confirm products are sold, disclosed, and structured correctly before they’re financed - so issues don’t enter the system.

Maintain accuracy through managed cancellations:

We ensure refunds, timing, and calculations are accurate and aligned with contract terms and regulatory requirements.

Monitor compliance throughout the lifecycle:

We provide continuous oversight, so audits, disputes, and reviews don’t turn into surprises.

Powered by CITADEL®, our compliance management platform, and supported by our expert Concierge Compliance Team, F&I Sentinel combines automation with human expertise to deliver ongoing, defensible compliance - from origination to cancellation.

Today, F&I Sentinel supports 150+ auto lenders and 600+ administrators, maintains compliance standards across 235,000+ product forms, and has powered accurate, compliant processing for 1.75 million+ cancellations.

That’s why six of the top 10 auto lenders trust F&I Sentinel to reduce regulatory, financial, and reputational risk while confidently financing F&I products.

This is what compliant F&I should look like.

Validated at origination. Accurate at cancellation. Compliant throughout.