Contract Recoveries

Contract Recoveries

Ease loan service operations and compliance worries involving aftermarket cancellations.

Process Efficiently

Choose the straight path to initiating aftermarket cancellations via the largest lender, dealer and aftermarket provider network.

Increase Compliance

Meet state and federal mandates governing accuracy and timeliness of consumer refunds.

Enhance Reputation

Improve refund accuracy and delivery to consumers, while reducing points of 
friction with dealers.



Replace the roundabout and friction-prone traditional process with a solution that puts the power of cancellations and compliance in the hands of lenders.

After all, 42 out of 50 states already place that responsibility on lenders — and the CFPB is watching. Leave the entire process to us, or manage the process and track your refunds on our dealer/provider platform. Either solution safeguards compliance and helps expedite accurate refunds to consumers.


Active aftermarket product providers.

*Internal F&I Express Data


states require that a refund be provided in the event of cancellation of a Vehicle Service Contract (VSC) OR GAP waiver contract.

*Based on state laws. States that require refund for Vehicle Service Contracts: AL, AK, AZ, AR, CA, CO, FL, HI, ID, IL, IN, LA, ME, MD, MN, MS, MO, NV, NJ, NM, NY, OK, SC, TX, VT, WA, WI, WY. States that require refund for GAP : AL, AR, CO, FL, GA, IN, IA, LA, ME, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NC, ND, OR, RI, SC, TN, TX, UT, VT, VI, WA, WV, WI, WY.

Aftermarket State Regulations

Discover which states make creditors responsible for refunding customers for GAP, Vehicle Service Contract and Credit Life in the event of cancellations.


Streamline review and funding in ways that best support your business operations and dealer service.