For years, lenders have carried the risk of F&I refunds while relying on manual processes: hand-reviewed deal jackets, phone-and-email chases for provider contacts, refund quotes that sit in queues, and reconciliations that stretch to 30, 60, even 90 days.
Why TruComply Exists
F&I refunds were the slowest, most error-prone part of the loan. We built the bridge to fix that.
A broken process,
a growing risk
Form certification checked the documents but never fixed the processes underneath. That gap between what compliance looks like on paper and how refunds actually move is where cost, error, and regulatory exposure pile up.
The manual timeline
Day 0
Cancellation requested; deal jacket pulled for manual review.
Day 30
Provider contacted, quote awaited, dealer reserve debited.
Day 90
Refund issued and reconciled, if nothing bounced back.
The bridge lenders and providers cross
The only direct path to every F&I provider. No workarounds. No substitutes.
On one side of every F&I refund sits the lender. On the other sits the provider. TruComply is the direct API path between them, purpose-built so cancellations, quotes, refunds, and reconciliation move in real time.
Every provider that joins makes the network stronger for every lender and dealer that relies on it.
Lenders
Cancellations & refunds
TruComply
Provider Network
Quotes & payments
Powered by PCMI, the industry's trusted F&I experts
Built on the F&I foundation and provider network lenders already rely on through PCRS.
Foundation
The platform behind PCRS.
Network
Lenders, dealers, and administrators.
Focus
Lender compliance. Refund lifecycle.
Our Goal
To modernize F&I loan servicing so every cancellation and refund is fast, transparent, and audit-ready as regulations evolve.
What We Stand For
Speed and automation
Weeks become same day.
Compliance-first
Audit-ready by design.
Integration and flexibility
API, batch, or portal.
Customer and partner experience
Trust through transparency.
The industry experts behind TruComply
The people behind TruComply bring deep F&I, compliance, and platform experience from across PCMI and the broader industry.
Clyde Owen
CEO, PCMI
Renaldas Budrys
VP of Lender Compliance Solutions
Alex Maritczak
Senior Director, Business Development
