FRAT Essential 2025

Self Study

  • 60

    Sections

Overview

Sales – This course is designed to educate sales representatives on necessary fundamentals, so that rules and regulations are understood, complied with and followed.

Welcome to Federal Regulation Annual Training (FRAT) Program

  • Welcome

  • Treat Customers Ethically

Secure Document Area - Three Mandated Federal Regulations

  • Three FTC Rules

  • Regulation 1: Safeguards Rule

  • Regulation 3: Red Flags Rule

  • Regulation 2: Disposal Rule

  • Quiz-Secure Documents

Nonpublic Personal Information (NPI)

  • What is NPI?

  • Electronic Data Breaches of NPI

  • NPI

  • Is Electronic Data Considered NPI?

Social Engineering

  • What is Social Engineering?

  • Email From a Friend

  • Phishing Attempts

Best Practices for Safeguarding Electronic Information

  • Best Practices for Safeguarding Electronic Information

  • Security

  • Security- Continued

  • The Gramm-Leach Bliley Act (GLB Act)

  • Quiz-Safeguarding Customer Information

FTC Disposal Rule

  • About the FTC Disposal Rule

  • The Disposal Rule at Work

  •  The Disposal Rule Allows Outsourcing

  • Quiz-FTC Disposal Rule

Safeguards Rule - Changes & Amendments

  • Safeguards Rule

  • Safeguards Amendments 2024

  • Important Changes to Safeguards

  • Quiz- Safeguard Rule

Harassment Prevention

  • Sexual Harassment Is Illegal Under State and Federal Law

  • The Consequences of Unlawful Harassment

  • Recent Sexual Harassment

  • Unlawful Harassment

  • Personal/Individual Liability Issues

  • What About Customers and Clients?

  • Education and Accountability

  • Why Harassment Training is so Important

  • Recognize and Respond To Unlawful Harassment

  • Two Kinds of Unlawful Workplace

  • Hostile Working Environment

  • Harassment-Free Workplace

  • Protected Characteristics Include:

  • Examples of Harassment

  • Causation

  • Context is Critical

  • Unlawful Harassment Includes

  • Verbal Harrassment Examples

  • Verbal Conduct

  • Physical Harassment

  • Physical Harassment Examples

  • More Examples of Sexual Harassment

  • Best Practices for Supervisors

  • Harassment-Free Workplace

  • Supervisor Responsibilities

  • Responding to a Complaint of Harassment

  • As a Bystander to Harassment

  • Participate in Prompt and Thorough Investigations

  • DO NOT

  • DO NOT Retalliate

  • Pre-Dispute Arbitration

  • Resources

  • Quiz-Harassment Prevention

End

Acknowledgement

ADCO – Presentation Disclaimer

This presentation and any accompanying materials are provided for informational purposes only and should not be construed as legal advice from the Association Dealership Compliance Officers (ADCO) or the individual presenter(s).   The presentation is not a substitute for legal counsel or advice on any matter which must be tailored to specific facts and circumstances.  No attendee of the presentation should act or refrain from acting solely on the basis of any information included in the presentation.  Attendees should seek appropriate legal or other professional advice on legal matters specific to their business and operations.

The presentation is not intended to be an exhaustive review of all laws and regulations on any subject.  The presentation does not attempt to recite, nor cover, all aspects of the laws and regulations that may affect or apply to the sale and financing of a motor vehicle.  Instead, they focus on issues that frequently arise in connection with motor vehicle sales and financing.  Best practices may be discussed during the presentation, but they not be necessarily the best or only approach to a particular issue. 

We have made every effort to offer current and accurate information with respect to the topic(s) addressed to attendees, but errors can occur.  ADCO and the individual presenter(s) assume no liability or responsibility for any use or misuse of any material or any errors or omissions in the content contained in the presentation.   This material is provided “as is,” with no guarantees of completeness, accuracy, timeliness or suitability and without warranties of any kind, express or implied.  The views and opinions in this presentation and on the following slides are those of the presenter(s) and do not necessarily represent the official policy or position of ADCO.

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