Greg Phea/Austin Rising Fast 8024 IH 35 North Austin, TX 78753
CHAIRMAN OF THE BOARD
Eddie Hale/Neighborhood Autos PO Box 1719 Decatur, TX 76234
SECRETARY
Russell Moore/Top Notch Used Cars 900 East Davis Conroe, TX 77301
TREASURER
Cesar Stark/S&S Motors 7699 Alameda Ave. El Paso, TX 77915
VICE PRESIDENT, WEST TEXAS (REGION 1)
Jose “Pepe” Muñoz/Gael Auto Sales 7661 Alameda Ave El Paso, TX 79915
VICE PRESIDENT, FORT WORTH (REGION 2)
Tyler Simmons/Abilene Used Car Sales, Inc. 2150 N. 1st Street Abilene, TX 79603
VICE PRESIDENT, DALLAS (REGION 3)
Chad Lancaster/Chacon Autos 11800 E. Northwest Hwy Dallas, TX 75218
VICE PRESIDENT, HOUSTON (REGION 4)
Lowell Rogers/11th Street Motors 1355 N 11th St, Beaumont, TX 77702
VICE PRESIDENT, CENTRAL TEXAS (REGION 5)
Harry Buchelly/Discovery Auto Sales 8140 North Lamar Blvd. Austin, TX 78753
VICE PRESIDENT, SOUTH TEXAS (REGION 6)
Cesar Torres/Lofi Motors 4634 Ayers St. Corpus Christi, TX 78415
VICE PRESIDENT AT LARGE
Christina Sabillón/Mi Tierra Auto Sales 7935 Gulf Freeway Houston, TX 77017
VICE PRESIDENT AT LARGE
Lucas Ponder/Auto Smart 3202 Summerhill Rd. Texarkana, TX 75503
TIADA EXECUTIVE DIRECTOR
John Frullo
9951 Anderson Mill Rd., Suite 101 Austin, TX 78750
Office Hours
512.244.6060
john.frullo@txiada.org
TexasDealer contents
Maximizing Dealer Success: The Unmatched Benefits of the TIADA Auction App
Texas is home to more than 14,000 licensed independent automobile dealers, each operating in one of the most dynamic and competitive markets in the country. From major metros to rural communities, we all face similar challenges — shrinking margins, rising inventory costs, and increasing competition. That is why TIADA remains focused on delivering tools that not only protect your business but also help it grow.
One of the most valuable member-exclusive resources we offer is the TIADA Auction App. This mobile tool allows you to connect with participating auctions across the state and access exclusive coupons worth hundreds of dollars — redeemable directly at auction sites.
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Once your membership’s confirmed, activation takes moments on any mobile device.
by Greg Reine
Join now: Visit TXIADA.org, navigate to the Membership section, and select Auction App. You will find step-bystep instructions, a helpful FAQ, and contact information for additional support. For further assistance, feel free to contact our staff at info@txiada.org
Join us at the 2025 TIADA Annual Conference & Expo! And do not miss your chance to learn more in person! As we gear up for the 2025 TIADA Annual Conference, happening July 27–29 at the Gaylord Texan in Grapevine, you will hear even more about our Auction App and the exclusive member resources we are building to help you stay competitive.
Download the TIADA Auction App today — and start saving immediately. Trust me, your membership will pay for itself in no time.
We look forward to seeing you in Grapevine and showing you how TIADA continues to deliver value where it matters most.
TIADA remains focused on delivering tools that not only protect your business but also help it grow.
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The Power of Membership.
Since 1944, TIADA has been and continues to be the only statewide organization for independent automobile dealers. You are connected with more than one thousand independent automobile dealers across Texas, who are all committed to creating a better image for the industry, while protecting our rights as business owners and increasing our bottom line. Individually, you are strong, but together, as an association, we are powerful .
Get involved with the association’s advocacy efforts, find out what policies may be affecting used car dealers. Have a say, make a difference.
Join other successful dealers. Membership dues include full membership to TIADA and the national association, NIADA.
Connect with industry leaders. Attend the annual TIADA Conference & Expo, access the member-only online directory.
Education offerings designed with you in mind, your personal copy of the Texas Dealer magazine, twice monthly industry updates, exclusive access to industry articles—a wealth of knowledge at your fingertips.
The perks are many, starting with over $10,000 in auction and vendor savings through TIADA’s mobile app. Redeem just a few auction discounts and you’ve basically covered the cost of membership for the year.
Get quick answers on industry, regulatory or compliance issues.
www.txiada.org/dealer_benefits
by Earl Cooke TIADA Director of Regulatory Affairs
How a Few Bad Actors Are Impacting All Texas Dealers HB 718: on the cover
The deadline for implementation of HB 718 which requires the transition to metal plates of July 1, 2025, will have passed by the time most of you read this article, but I had to turn this in for publishing prior to that date. I cannot say what July 1, 2025, brought for us, but I can say TIADA has been working on HB 718 and issues that caused it since long before I came to TIADA over four years ago. Temporary tag fraud was the catalyst for the sweeping changes in dealer operations and Texas law. While the problem was serious — one individual was found to have issued more than 700,000 temporary tags improperly — the legislative response with HB 718 has created challenges for every licensed dealer in the state, most of whom have been operating responsibly all along.
At TIADA, we’ve been clear: the vast majority of Texas dealers follow the rules and deserve a system that works for them — not one that treats all dealers like potential fraudsters. Unfortunately, HB 718’s broad approach means that honest dealers are now facing increased costs, administrative hurdles, and operational complications due to the actions of a few bad actors.
Progress Was Already Underway Before HB 718
It’s important to recognize that TIADA and other stakeholders worked with the Texas Department of Motor Vehicles (TxDMV) and had already implemented reforms to combat temporary tag fraud prior to HB 718.
The biggest change was tighter licensing requirements with more extensive checks on everything to eliminate fraudsters from obtaining licenses in the first place. TIADA supported additional checks for new licensees during this process but thought those who had been licensed for a long period of time should not face this additional scrutiny. Unfortunately, we were unable to secure an exemption based on time licensed. Dealers have paid the price for this change by having longer processing times and having to spend time providing numerous documents to TxDMV. I will note we supported efforts by TxDMV to increase the money available to hire TxDMV licensing staff during this legislative session. This should help decrease wait times for renewals, yet we still plan to look for additional ways to help address this issue for dealers.
A few other notable changes were the introduction of a temporary tag allotment system to monitor and control the volume of tags issued. Along with the ability of temporary tags and mandatory fingerprinting for both new applicants and renewing dealers. These reforms were effective in reducing fraudulent tag issuance and the results clearly showed it. As an association, we understood dealers were already incurring costs related to increased oversight, however these more targeted approaches were less burdensome than the alternatives that we felt might occur if the issues were not addressed. HB 718 was passed into law despite these changes that drastically reduced fraud occurring and us having clear evidence based on the year over year change in the number of tags issued dropping in half.
Why Law Enforcement and Legislators Pushed for HB 718
Law enforcement agencies advocated for faster changes, citing challenges in tracking paper temporary tags with license plate reader technology. Instead of allowing existing
reforms to continue proving their effectiveness, the legislature opted to mandate a switch to metal temporary tags for all dealers. Ironically, the reforms already implemented
members while still working against the bill passing. When the bill got to the Senate our efforts resulted in several significant improvements thanks to Sen. West and his staff who heard
Your input, engagement, and membership help shape policies that directly impact independent dealers across Texas. I believe if every dealer was an active member of TIADA and donated just $10 per month to the PAC, we would be unstoppable because in the legislative world bigger voices have more power and bigger PACs get noticed.
by TxDMV before HB 718 — such as enhanced licensing requirements and tag allotment controls — had been so effective that a law enforcement official, during testimony before the Texas House Transportation Committee, attributed the reduction in fraudulent tags to HB 718, even though it had not yet taken effect. This confusion underscores just how impactful the earlier reforms were in addressing the core issue.
The HB 718 solution was designed to make enforcement easier, but it overlooked the reality that the majority of dealers were already compliant and changing laws alone does not fix issues that were greatly exaggerated by law enforcement who testified before the legislature that paper tags were the cause of deaths and human trafficking. Meanwhile many stakeholders believed law enforcement needed to address the issue themselves as too often we saw people driving with expired or fake tags while driving during our daily lives.
TIADA’s Role in Shaping and Mitigating HB 718
TIADA opposed the bill as originally drafted. Once it became clear HB 718 would pass, our focus shifted to reducing its negative impact on our
our concerns and worked with industry despite knowing industry would never support the bill.
Stakeholders, including TIADA, successfully postponed the effective date to July 1, 2025, from the original date of September 1, 2023, providing dealers and TxDMV more time to prepare for a substantial system change. I cannot imagine how poorly implementation would have gone on September 1, 2023. This new effective date allowed stakeholders to successfully advocate for the passage of SB 1902, which addressed major operational issues created by having to store the plates from cars that were sold to the dealer if they were previously registered in Texas. Now, dealers will simply remove the plates off a car and transfer them to any vehicle the customer purchases from them.
Another significant change secured by stakeholders resulted in a new tag type for out-of-state customers. Initially, the legislature planned on dealers using the same tags for both in state and out of state customers and requiring the dealer to retrieve all out of state tags from their customers. Thankfully, after hearing our concerns about the ability of dealers to obtain anything from a customer after they get their car,
Local Chapters
CORPUS CHRISTI
G.R. Moore
The Car Shack
(dates and times can be found at txiada.org/Calendar_List.asp, when scheduled)
EL PASO
Cesar Stark
S & S Motors
Meeting – 3rd Friday (Monthly)
FORT WORTH
Jerry Smith
H J Smith Automobiles
(dates and times can be found at txiada.org/Calendar_List.asp, when scheduled)
HOUSTON
Chris Donnelly
Your Car Store
Meeting – 2nd Tuesday (Monthly)
SAN ANTONIO
Nory Pakravan
210 Auto Credit
(dates and times can be found at txiada.org/Calendar_List.asp, when scheduled)
Unfortunately, HB 718’s broad approach means that honest dealers are now facing increased costs, administrative hurdles, and operational complications due to the actions of a few bad actors.
they created a tag type that did not require a dealer to retrieve it.
TIADA and others achieved success by securing a new, lower-cost limiteduse metal plate ($10) with restricted use, addressing concerns about insurance premiums and misuse that would have arisen from the original bill requiring dealer plates instead of agent and vehicle-specific tags.
Dealer Feedback Shaped Implementation
Once the bill passed, TIADA put all its resources into helping to implement the bill as we knew our members depend on the ability to deliver cars to their customers at the time. TIADA hosted nearly 20 town halls with TxDMV staff to discuss the upcoming changes, relay dealer concerns, and clarify requirements. This dialogue helped improve numerous aspects of implementation and influenced the rulemaking process — most notably preventing onerous requirements like entering tag information for every test drive. During the initial town halls, there were many questions that required follow-up, as the complexities of the new law were still being fully understood by all parties. Over time, TxDMV staff provided more clarity as they incorporated feedback and insights from previous meetings with dealers. Through this ongoing collaboration, our relationship with TxDMV staff and local tax assessor offices strengthened, as we collectively worked to implement a significant legislative mandate that presented challenges none of us had originally sought.”
Even with extensive preparation, we believe complications will arise now
that HB 718 has taken effect. Additionally, we already have items that we want to work on for dealers. For example, dealers must now obtain tags from county tax offices if a vehicle is going to be exported rather than handling these internally. This creates a new and inconvenient step.
TIADA will continue to work with regulators and other stakeholders to address issues, and we will continue to seek feedback from dealers to ensure future changes are practical and dealer friendly.
Why TIADA Membership Matters Now More Than Ever
TIADA’s ability to limit the negative impacts of HB 718 and secure improvement is not possible without the support and active participation of our members. Your input, engagement, and membership help shape policies that directly impact independent dealers across Texas. I believe if every dealer was an active member of TIADA and donated just $10 per month to the PAC, we would be unstoppable because in the legislative world bigger voices have more power and bigger PACs get noticed. So, give to your PAC and ask a fellow dealer to join your association.
If you have additional questions about HB 718, please don’t hesitate to reach out to me or better yet join us at this year’s TIADA Annual Conference where top TxDMV staff will provide essential updates and take your questions directly. This is your chance to be heard and to ensure your concerns continue to shape the implementation of this major legislative change.
legislative bulletin
Texas 89th Legislative Session Ends with Major Wins for Independent Dealers
The 2025 Texas legislative session has officially concluded, and the Texas Independent Automobile Dealers Association (TIADA) was on the ground every step of the way, advocating on behalf of you and your dealership. Thanks to the dedicated efforts of TIADA and the support of numerous industry stakeholders, Texas dealers are now in a stronger position following the passage of two key bills.
SB 1902 serves as a much-needed correction to the unintended consequences of HB 718 (2023), which required licensed dealers to issue metal license plates at the time of sale to combat fraudulent paper tags. While that law aimed to address a real problem, it created significant logistical and security challenges for dealerships — requiring plates to be removed from trade-ins, stored on-site, and tied to the vehicle instead of the customer.
SB 1902 addresses those concerns by allowing the license plate to remain with the customer, not the vehicle. This change simplifies dealership processes, reduces security risks, and eases the operational burden. It’s a clear example of how effective legislative advocacy, driven by dealer voices, leads to meaningful change.
HB 4134 is another key victory, giving dealers and related finance companies more flexibility in how they accept electronic payments. The bill authorizes holders of retail installment contracts to charge a convenience fee when buyers choose to make payments electronically — such as by credit card, debit card, or electronic funds transfer — without having to route those payments through a third-party processor.
The convenience fee must be reasonably related to the actual cost of processing the electronic payment
by TIADA staff
and is capped at the lesser of $10 or 5% of the payment amount. Dealers must offer at least one fee-free payment option, such as cash. Buyers must also be informed of the fee amount before completing an electronic transaction.
These legislative wins underscore the real value of membership in TIADA . When you are part of this association, your voice is amplified at the Capitol, your concerns are heard, and your business is represented with professionalism and strength.
How You Can Support Future Advocacy
Our ability to influence legislation that protects and empowers Texas dealers depends on the ongoing support of our members. One of the most impactful ways you can contribute is by donating to the TIADA Political Action Committee (PAC). Your donation helps us support legislators who understand our industry and are committed to fair, practical regulations.
You can also strengthen our advocacy efforts by encouraging other independent dealers to join TIADA . Ask your friends and colleagues in the industry to become members — because the more united our voice, the stronger our influence.
Whether it’s staying engaged, responding to calls to action, making a PAC contribution, or helping grow our membership, your involvement makes a real difference.
To donate or learn more about TIADA’s advocacy work, visit TIADA Political Action Committee (PAC)
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feature
Plate Expectations: What Texas Dealers & Buyers Need to Know
by TxDMV Leadership & Staff
Texas Dealers
EFeatured Presenter
Contributor Article by TxDMV Staff
Will Begin
ffective July 1, 2025, a new law in Texas significantly changed how license plates are issued when vehicles are sold by a dealer. Thanks to House Bill 718, passed by the 88th Legislature, motor vehicle dealers will now issue metal license plates directly to buyers at the time of vehicle delivery — replacing the familiar paper temporary tags.
What This Means for Consumers:
Buying from a Dealer? If you’re purchasing a new or used vehicle from a Texas dealership, you’ll now leave the lot with your permanent metal license plates already installed. No more waiting for a plate in the mail or displaying paper tags.
Buyers should keep the receipt for the issued plates in their vehicle until the official registration sticker arrives by mail.
Law enforcement will use this receipt to verify the vehicle’s pending registration.
Trading In a Vehicle
Under Senate Bill 1902 (89th Legislature), dealers can now transfer general-issue plates from a traded-in vehicle to another unit in inventory, within 10 days, as long as the plates match the type of vehicle (passenger, truck, etc.).
Specialty plates remain the property of the original owner and should be retained for future use or transfer.
Private Party Sales Stay the Same
No changes are coming to private sales between individuals. Here’s a quick refresher:
Sellers must remove their license plates and registration sticker before handing over the vehicle.
Why the Change?
Issuing Metal License Plates at the Point of Sale
Plates can be reassigned to another vehicle owned by the seller, provided they match vehicle type — but must be processed at the local tax assessor-collector’s office.
Sellers should also submit a Vehicle Transfer Notification to TxDMV within 30 days. Buyers must apply for title and registration within 30 days and obtain new plates for the vehicle.
This move aims to improve:
Customer convenience
Vehicle traceability
Law enforcement safety
It’s also a direct response to fraud and abuse involving counterfeit temporary tags — a concern that’s grown across Texas in recent years.
Need More Information?
Visit: TxDMV.gov/HB718
Email: AskDMV@TxDMV.gov
Need help updating your dealership’s process?
Contact Texas Independent Automobile Dealers Association (TIADA)
TIADA has resources, training, and a compliance checklist to help you transition smoothly. Call us or visit txiada.org.
Visit TxDMV at Booth#733 at the 2025 TIADA Conference & Expo. TxDMV officials will be presenting throughout the Conference. http:// Conference.txiada.org/register
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Texas’ Dealers Can Navigate the Uncertainty Facing the Industry
Featured Presenter
Jonathan Smoke Chief Economist Cox Automotive
Just as the Texas summer is heating up, the auto market is cooling down from a frenzied surge of buying that marked the start of new trade policies and a heightened period of change for the economy and the auto market. From here, the future is hard to predict with policy uncertainty still very high, but the shortand longer-term implications not all bad for Texas independent auto dealers.
President Trump initiated sweeping changes to trade, immigration, and fiscal policies from Day One of his second term, and the auto industry has been one of the most impacted industries. Our team estimates that new tariff policy could add approximately $5,700 in costs to the average imported vehicle — a big number for the U.S., which imported nearly half of the new vehicles sold in 2024.
Dependence on imports varies substantially by segment. The most import-dependent segments are at the two ends of price spectrum: the most affordable vehicles and luxury vehicles. Most of the vehicles priced under $30,000 are now facing tariff costs that might make them unviable in the market.
At this point, we’re just beginning to see how manufacturers deal with these added costs, and we certainly do not believe that the American consumer can absorb it all. Consumers today are more price and payment sensitive than they were in 2020 and 2021, so unlike the rampant inflation we saw through the last supply chain crisis, we expect that the average new vehicle price will only rise 4-8% this time around. Still, with average prices up near $50,000, the industry has an affordability problem and tariffs do not help.
As cost and price dynamics alter the market landscape, we expect the new vehicle market to contract to a 15-15.5 million market annually, down from what had been a 16.5-17 million market. Our forecasts assume that after further trade negotiations, the average tariff rate should fall closer to 10% rather than 25%, as was the case for the U.K. But we think some amount of tariffs are here to stay, as the President wants a source of revenue to offset income tax cuts while also leveling the playing field for important sectors like automotive and encouraging more manufacturing in the U.S.
What does this mean for an independent dealer in Texas? With fewer, more expensive new cars, the used car market will have even stronger demand.
However, tight supply in the used car market is a difficult reality thanks to pandemic-era declines in new vehicle production and sales. Now we expect the wholesale market to get tighter over the next two years, so the challenging supply environment
that dealers have faced over the last few years is here to stay in the near term. Sourcing inventory will remain a hard but vital part of a dealer’s operations.
The surge in demand in March and April reduced supply in retail and wholesale and caused an increase in prices in both new and used vehicles. However, as prices increased, demand cooled, supply improved modestly, and used
vehicles returned to being depreciating assets.
From what we have already seen play out, this is not 2021 all over again. Back then, consumers had the upper hand in a hot labor market, the housing market was booming and $4 trillion in stimulus was flowing through consumer pocketbooks; interest rates for auto loans were at all-time lows.
Pent-up demand remains significant, but the current demand is particularly price and payment sensitive. Interest rates have not come down much from a 25-year high in February, and they are not likely to change much for the rest of this year. The Fed will be slow to act as they await evidence of what will happen to inflation and the labor market before they make any change in rate policy.
With the right inventory at the right price and the right credit offerings, independent dealers can be successful in this environment. The risk on the demand side is if economic conditions deteriorate into a recession. While the risk is elevated, the odds favor the economy avoiding a recession.
Texas is a step or two better than the U.S. in almost every key economic metric. As a result, the Lone Star State faces even lower recession risk and would likely experience a milder decline than the U.S. if a recession were to unfold.
That said, even within Texas, market trends will vary based on exposure to industries impacted by tariffs and trade but also by changes to immigration and fiscal tax and spending policies. Now more than ever, auto dealers need to know their market, understand their target customer, offer appropriate credit solutions, and source and price inventory appropriately.
Jonathan Smoke will be a keynote presenter at the upcoming 2025 TIADA Conference & Expo, July 27–29 in Grapevine. To register, visit conference. txiada.org/register/
Please fill out the form on the opposite page to help our efforts out at the Capitol!
Join the list of those who have already contributed in 2025.
Atchison, Jeff Baker, Jerry Barrett, Stephen Brown, Mark Davis, Brad Davis, Vicki
Anonymous Goodman, Jason Gregory, Tommy Hagler, Keith & Marcia Hale, Eddie Hanson, April Jones, Mark
Moore, Russell Ponder, Lucas Rodriguez, Edgar Rogers, Lowell Simmons, Tyler Zak, Gregory
2025 Contributions updated at time of publication.
7
Tips for Marketing Your Auto Dealership During the Summer –The Hottest Time to Buy a Car
by Aisa Showery, PMP TIADA Director of Marketing and Communications
Summer isn’t just about sunshine and road trips — it’s also one of the hottest times of year to buy a car. A total of 1.7 million used vehicles were sold at retail in August — a 13.6 % increase year-over-year — making summer one of the briskest periods for used-car turnaround. With school out, tax returns in hand, and more daylight hours to shop, buyers are on the move. That means it is prime time for independent dealers to fire up their marketing and shift their strategy into high gear. Ready to ride the summer wave? Here are 7 sizzling tips to help you boost traffic, drive sales, and love your brand of cars all season long.
“A total of 1.7 million used vehicles were sold at retail in August – a 13.6% increase year-over-year – making summer one of the briskest periods for used-car turnover.”
1 Turn Up the Heat with a Signature Summer Sale
Try creating a seasonal campaign your audience will remember. Use fun, punchy names like “Hot Deals, Cool Rides” or “Summer Clearance Sale.” Tie in exclusive, time-sensitive deals that make customers act fast — think zero down, low APR, or a free gas card with purchase.
2 Promote
SummerReady Vehicles
Highlight inventory perfect for summer living — SUVs, trucks, convertibles, hybrids. Use social media and e-mail blasts to feature “Top Picks for Summer,” complete with photos of beach days, lake
trips, or family vacations to tap into that summer vibe.
3 Create an Eye-Catching Outdoor Display
Capitalize on curb appeal. Set up a bright, inviting display at your lot with banners, flags, balloons, or a tented “Summer Showcase.” Make it photo worthy so customers snap a pic and share it on their social site (tag you, of course!).
4 Get Loud on Social Media
Summer is made for scrolling — and it’s your chance to stand out. Post short videos, hot car walk- throughs, and quick tips like “3 Things to
Check Before a Road Trip.” Run a giveaway (free oil change or detailing) to increase shares and follows.
5 Host a Summer Kickoff or Customer Appreciation Event
Bring your community together with food trucks, a car wash fundraiser, or music on the lot. Invite local vendors and offer family-friendly perks. Events create buzz, build goodwill, and bring in foot traffic that can turn into future sales.
6 Send Out Summer Email Blasts
Don’t let your email list go cold. Share monthly or bi-weekly updates featuring specials, summer driving tips, new arrivals, and service deals. Keep your messages short, visual, and mobile-friendly — most customers are reading from their phones.
7 Leverage Customer Referrals & Testimonials
Your best marketing asset? Happy customers. Launch a summer referral program that rewards loyalty and trust — and ask for quick testimonials or photos to share online. Nothing beats real people vouching for your dealership during buying season.
Final Thoughts:
Summer buyers are ready to move — and with the right marketing, your dealership will be ready to deliver. These tips help you bring in more leads, close more sales, and build stronger community ties while the sun’s still shining. So, fire up your campaigns and make this your hottest season yet!
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feature
Fireside Chat Preview: Why it Matters to You
by TIADA Staff
Sneak Preview: Exclusive Q&A with Mark Jones
Moderator
A conversation with Mark Jones, TIADA Past President and Texas Department of Motor Vehicles (TxDMV) Board Member about his upcoming Conference session with Fortune 500 Executive and Dealer Innovator: Ernie Garcia.
Q: Mark, we’re thrilled to have you moderate the keynote panel with Carvana’s CEO at this year’s TIADA Conference. What are you most looking forward to about this conversation?
A: I’m really looking forward to an open and insightful discussion. The auto industry is undergoing rapid change, and having Carvana’s CEO on stage offers a unique chance to explore how innovation, regulation, and customer behavior are all evolving—especially here in Texas.
Q: What makes this fireside chat unique or important (key takeaways) for our independent dealers and industry stakeholders?
A: This unique opportunity to sit down with Ernie Garcia at this year’s conference is important because it brings together regulatory and private-sector perspectives. It’s not just about understanding new business models, but also how government entities like the DMV are adapting and working collaboratively with private sector/dealers to ensure fair, efficient, and forward-looking practices.
Q: How will Ernie Garcia’s Fireside Chat be relevant to independent dealers?
A: Whether you’re skeptical or inspired by Carvana’s model, Ernie Garcia’s story offers big lessons in agility, customer experience, and digital transportation. This session isn’t just about big tech — it’s about how every dealer, big or small, can stay competitive, adapt, and win in a rapidly changing market.
Q: Without giving too much away, can you share one topic or theme the audience can expect to hear about during the fireside chat and closing session?
A: One major theme will be the balance between innovation and compliance — how companies can grow responsibly while staying aligned with state policies
Mark Jones
and consumer protection. That’s where real progress happens.
Q: Any message you’d like to share with attendees before the kick-off of 2025 TIADA Conference & Expo and before the fireside chat with Ernie Garcia?
A: Come with questions and curiosity. This session is meant to spark ideas, challenge assumptions, and build connections. I’m excited to help guide that conversation. Join us!
Don’t miss out on the chance to hear from industry experts, government officials, and dealers across the state and nationally.
Mark Jones will Moderate the 2025 TIADA Conference & Expo’s Closing Session: Fireside Chat with CEO, Co-Founder of Carvana, Ernie Garcia, on July 28, 2025, 3:05 p.m., Gaylord Texan Resort & Conference Center, Grapevine. https://conference.txiada.org
TIADA Past President, TxDMV Board Member
2025 TIADA
VendorDirectory
A Complete Listing of TIADA’s Associate Members
compiled by Texas Dealer staff
Below is the complete list of current TIADA Associate Members as of May 23, 2025. An asterisk (*) next to a company name indicates that they advertise in Texas Dealer magazine. Those companies that have a booth number indicate that the member is also a Conference Sponsor or Exhibitor. Members are organized alphabetically within the following categories: Auction, Consulting/Education, CPA/Accounting, Credit Services, CRM, Dealer Management Software, Dealer Supplies & Services, Digital Marketing/SEO, Finance/ Banking, Floorplan, Forms/Printing, GPS/Payment Protection/Recovery, Human Resource Solutions, Insurance, Legal Services, Other, Payment Processing, Service Contracts, Software, Transport, Vehicle History Reports, and Vehicle Listing.
640 Ellicott St Buffalo, NY 14203 (800) 553-4070 www.acvauctions.com
ACV Auctions is the nation’s fastest growing independent auto auction. With end-to-end service, dealers no longer need to leave the lot to find great inventory across the US. ACVAuctions.com , the premier online auto auction.
ADESA .......................................... Booth# 104 13085 Hamilton Crossing Boulevard Carmel, IN 46032 (888) 525-7326 www.adesa.com
ADESA is a physical and online auto remarketing auction company that has 56 locations throughout the United States. We provide a simplified and seamless customer experience across end-to-end remarketing services.
NAAA members offering ACV, Pipeline, Recon Services, Pre& Post Sale Inspections. Come “JOIN THE ALLIANCE with ACV” for friendly teammates who exceed customer expections in every auction, by providing quality inventory , competitive markets, and superior services.
Alliance Auto Auction of Abilene 6657 US Hwy 80 W Abilene, TX 79605 (325) 698-4391
www.allianceautoauction.com
Alliance Auto Auction of Austin 1550 CR 107 Hutto, TX 78634 (737) 300-6300
www.allianceautoauction.com
Alliance Auto Auction of Dallas 9426 Lakefield Blvd Dallas, TX 75220 (214) 646-3136
www.allianceautoauction.com
Alliance Auto Auction of Longview 6000 SE Loop 281 Longview, TX 75602 (903) 212-2955
www.allianceautoauction.com
Alliance Auto Auction of Waco 15735 North Interstate 35 Elm Mott, TX 76640 (254) 829-0123 www.allianceautoauction.com
Ally SmartAuction Booth# 617
500 Woodward Ave, 16th Floor Detroit, MI 48226 (877) 273-5572
www.SmartAuctionLogin.com
Our industry-leading online auction, favored by thousands of franchised and independent dealers, is the only platform backed by an auto financier. SmartAuction can help you confidently buy and sell vehicles with ease.
*America’s Auto Auction
(Inside Front Cover)............................ Booth# 401 15301 N Dallas Parkway, Suite 800 Addison, TX 75001
www.americasaa.com
America’s AA is one of the nation’s premier auction groups with sites across 18 states. AAA has developed a platform built on lasting relationships and superior service that leverages the best of vehicle offerings. Visit americasaa.com to learn more.
We are a Wholesale Automobile Auction specializing in selling New Car Trades.
America’s Auto AuctionCorpus Christi 2149 IH69 Access Road Robstown, TX 78380 (361) 767-4100
www.americasaa.com/locations/ corpus-christi
America’s Auto Auction Corpus Christi (fka Corpus Christi Auto Auction) has been serving the South Texas area for over 25 years. Connecting buyers and sellers, we strive to treat everyone like family.
VendorDirectory
America’s Auto Auction ‒ Dallas 219 N Loop 12 Irving, TX 75061 (972) 445-1044
www.americasaa.com/locations/ dallas
America’s Auto Auction is a wholesale automobile auction company offering a full-spectrum of remarketing services, with dedicated professional staff helping with all your auction needs.
America’s Auto Auction ‒ El Paso 7930 Artcraft Road El Paso, TX 79932 (915) 496-6053
www.americasaa.com/locations/ el-paso
Full service, in-lane & online wholesale auto auction.
Dealer-only wholesale auction. Tuesday’s at 1 pm. New Car Trades and Credit Acceptance.
America’s Auto Auction San Antonio 13510 Toepperwein Road San Antonio, TX 78233 (210) 298-5477
https://www.americasaa.com/ locations/san-antonio
America’s Auto Auction San Antonio (fka San Antonio Auto Auction) has been serving the South Texas area for over 25 years. Connecting buyers and sellers, we strive to treat everyone like family.
America’s Auto Auction ‒
Texas Lone Star Lubbock 2706 E. Slaton Rd Lubbock, TX 79404 (806) 745-6606
www.americasaa.com/locations/lonestar-lubbock
We are an 8-lane, 36-acre auction running 800+ weekly. The largest selection from Dallas to Phoenix. Big city inventory with small-town charm.
AutoNation Auto Auction Houston
608 W. Mitchell Rd Houston, TX 77037 (281) 506-3220
www.autonationautoauction.com
AutoNation Auto Auction provides a trusted place to buy and sell quality used vehicle inventory. After all, it’s the only place where you can bid exclusively on inventory from AutoNation, America’s Largest Automotive Retailer.
Big Valley Auto AuctionDonna Booth# 609
4315 N. Hutto Road Donna, TX 78537 (956) 461-9000
www.bigvalleyaa.com
With our 50 franchise dealers in the Rio Grande Valley and more than 2000 registered dealers, we offer a Big Time Auction Experience.
CarMax Dealer Solutions brings CarMax Auctions and MaxOffer together to create a better way to buy and sell cars.
Copart Auto Auction Booth# 408 14185 Dallas Parkway, Suite 400 Dallas, TX 75254 (972) 391-5074
www.copart.com
Copart is a Global Auto Auction with over 250+ locations and we sell a dealers wholesale vehicles to more than 900,000 buyers in more than 175 countries.
DAX Dealers Auction Xchange is an independent, family-owned auto auction company. Dedicated to providing a transparent and efficient platform for buying and selling vehicles, backed by exceptional customer service and industry expertise.
DAX Dealers Auction Xchange is an independent, family-owned auto auction company. Dedicated to providing a transparent and efficient platform for buying and selling vehicles, backed by exceptional customer service and industry expertise.
DAX Dealers Auction Xchange is an independent, family-owned auto auction company. Dedicated to providing a transparent and efficient platform for buying and selling vehicles, backed by exceptional customer service and industry expertise.
Dealer-Only Auction every Wednesday at Noon. Fleet Companies, Local Dealers; Bank/Credit Unions; Government Entities. Equipment sale every 2nd and 4th Wednesday of the month at 2:00 PM.
VendorDirectory
Greater Tyler Auto Auction 11654 State Hwy 64 W Tyler, TX 75704 (903) 597-2800
www.greatertyleraa.com
Sale every Thursday at 2:30 PM and GSA Auction every 2nd Tuesday at 10:00 AM Edge Pipeline Simulcast - 4 Lanes, Member: NAAA, TIADA, Founders Group
IAA
Two Westbrook Corporate Center, 10th Floor
Westchester, IL 60154 (708) 492-7200
www.iaai.com
IAA works with dealerships, fleet and finance companies, and government agencies to sell thousands of high mileage, lightly damanged repossessed and abandoned vehicles every year.
We are a used car auto auction that provides outstanding inventory and service to our used car dealers. We have two weekly auctions, every Tuesday at 9:30 am and every Friday at 10:00 am. We run 1,000+ per sale every week and we invite you see why our dealers say, Metro Auto Auction Dallas is Simply Better!
*OPENLANE (Pg. 24) Booth# 717 11299 Illinois St Carmel, IL 46032 (760) 313-6490
www.openlane.com
The OPENLANE digital marketplace features exclusive off-lease, dealer trades, rentals and so much more. From high-mileage to high-end, we have the vehicles to fill your lot.
Victoria Auto Auction 835 Industrial Park Dr Victoria, TX 77905 (361) 576-0058
www.victoriaautoauction.com
Family-owned and operated since 1987. Our sale is every Thursday at 11:30 a.m. You can find us on Pipeline and victoriaautoauction. com
Automotive consulting firm with expertise in F&I product selection, sales growth, banking partners, and fixed operations
American Auto Protection Booth# 126 860 W Airport Fwy, Suite 205 Hurst, TX 76054 (817) 479-8583
www.aaprotect.com
GAIN A COMPETITIVE ADVANTAGE Your customers expect the best in personal experience with quality products and service. Our goal is to help independent franchise dealerships and used vehicle dealerships grow their bottom line.
Automotive Aftermarket Services 10514 FM 1764 Santa Fe, TX 77510 (281) 538-2468
www.automotiveaftermarketservices.com
Automotive Aftermarket Services is a one-stop shop providing a full suite of F&I products, services, training, and HR solutions for Independent and BHPH dealerships.
AutoZoom
9001 Airport Freeway, Suite 760 North Richland Hills, TX 76180 (888) 493-6891 x-712
www.autozoom.com
We build Custom-Fit Scoring models for usedcar financing dealerships. Click on the “Learn More” button at www.autozoom.com for a short video.
C&M Coaching provides expert call training for Sales Teams, BDC departments, Collectors, Receptionists and Service Advisors. We also offer hosted chat and internet mystery shops!
Ignite provides compliance, technology and implementation consulting services to the consumer finance industry.
Profilocity LLC
2626 Cole Ave., Suite 300 Dallas, TX 75204 (833) 764-4897
www.profilocity.com
Profilocity is a nationwide company based out of Dallas, Texas. We specialize in helping dealers solve their unique problems. From Cash to Coverages and Technology, we are here for you!
VendorDirectory
White Hat Coaching 369 E 3350 N North Ogden, UT 84414 (903) 816-0216
www.whitehatway.com
Coaches and hosts of the BHPH Morning Show podcast. BHPH-specific experience across more than half the US and creators of V8 Dealer Groups (virtual peer groups).
Innovative F&I Services Inc
701 Three Creeks Dr Bertram, TX 78605 (281) 744-9740
www.innovativefiservices.com
Innovative F&I Services provides Service Contracts, GAP, Tire and Wheel, Windshield Repair and Replace, Tint, Diminishing Value, GPS, CPI as well as other Ancillary products. Innovative F&I also provides Compliance and Sales Training.
We specialize in multiple DMS integrations with QBO, Dynamics, PayNearMe, etc. We have the deepest knowledge specific to IDMS; Class Codes, GL and APIs. Developing tools to import flat file(spreadsheets), with data including CPI charges, payments, etc.
HHM CPAs is a certified public accounting firm that specializes in traditional and nontraditional accounting and tax services for dealerships. We serve over 300 rooftops across the nation.
VendorDirectory
Lane Gorman Trubitt, LLC Booth# 417 2626 Howell Street, Suite 700 Dallas, TX 75204 (214) 461-1492
www.lgt-cpa.com
With a dedicated automotive team, LGT has the industry experience to serve your accounting needs.
Shilson, Goldberg, Cheung & Associates, LLP ...................... Booth# 109 1318 W 23RD ST Houston, TX 77008 (713) 290-8171
www.sgcaccounting.com
CPA firm serving BHPH dealers and related finance companies across the country
TVO Tax Services, LLC 1630 Sweetwater Lane Prosper, TX 75078 (214) 679-2829
Accounting, Tax, and Consulting Services for Small Businesses and Individuals.
Accounting, Tax, and Consulting Services for Small Businesses and Individuals.
CREDIT SERVICES
MicroBilt Corporation 1640 Airport Road, Suite 115 Kennesaw, GA 30144 (800) 884-4747 X-4666 www.microbilt.com
MicroBilt is the leading data provider for Auto Dealerships. MicroBilt delivers a complete suite of data products that support the entire motor vehicle sales process, from loan originations and background checks to fraud detection and collections.
Sterling Credit Corp. Booth# 731 222 S Westmonte Drive, Suite 301 Altamonte Springs, FL 32714 (407) 240-2345 X-104
www.sterlingcreditcorporation.com
Sterling Credit Corp. is committed to providing capital and collection services to our customers. Structured as a buyer of bulk receivables and loan servicing company, we strive to be a dependable cash flow source with exceptional account management and customer support expertise.
With over 40 years of expertise developing custom software for used car dealerships and finance companies, ABCoA Deal Pack is a single software that runs your entire business. Learn more at www.dealpack.com
AutoManager Inc. Booth# 703 7301 Topanga Canyon Blvd., Suite 200 Canoga Park, CA 91303 (800) 300-2808
www.AutoManager.com
AutoManager provides dealer management software and website solutions to 4,000 independent dealers throughout the United States and Canada.
Automatrix is an AI-powered, all-in-one platform with 10+ modules that streamline dealership operations—from inventory and sales to collections, service, CRM, and accounting.
*DealerCenter (Pg. 27) Booth# 503 4751 Wilshire Blvd.,Suite 205 Los Angeles, CA 90010 (888) 669-2669
www.dealercenter.com
DealerCenter is an all-in-one, cloud-based dealer management solution that gives the independent dealer full control over their sales, inventory & customer management, financing, and more.
Auto Master Systems, Inc. Booth# 211 9772 Whithorn Drive Houston, TX 77095 (855) 992-9913
www.automaster.com
Auto Master Systems, Inc. is the top BHPH/ LHPH/indirect lending customizable solution in the industry for the lasts 31 years for selffinancing dealers.
Dealership Management Software for Independent Dealers
Frazer Computing Inc. ......... Booth# 414 91 Main St Canton, NY 13617 (888) 963-5369
www.frazer.com
Providers of Dealer Management Software to over 4,300 Texas dealers.
VendorDirectory
Verifacto, Inc. Booth# 112 6 Concourse Parkway, Suite 725 Atlanta, GA 30328 (678) 916-8311
www.verifacto.com
Verifacto provides Dealers and Finance Companies cloud-based Loan Management System (LMS), Dealer Management System (DMS), CPI, and Insurance Tracking while reducing overhead and improving profitability.
Wayne Reaves Software & Websites ................................ Booth# 616
Wayne Reaves Software has been a leading provider of dealer management software since 1987. The DMS provides an easy-touse experience for dealers of all types and sizes with multi-location and online hosting capabilities.
DEALER SUPPLIES & SERVICES
Advance Auto Parts .............. Booth# 121 11810 N Gessner Houston, TX 77064 (832) 474-3399
www.my.advancepro.com/service/s/ consumer-home
A leading automotive aftermarket parts provider that serves the professional installer.
AIB, Inc. Booth# 721
550 Reserve St, Suite 410 Southlake, TX 76092 (817) 440-3300
www.oneaib.com
AIB offers a SaaS platform called “TitleDirect” to over 750 Texas dealers that seamlessly integrates with their DMS to streamline tag, title and registration through TxDMV’s online webDEALER portal.
Auto Title Solution, LLC. 1101 Scott St Wichita Falls, TX 76301 (817) 896-1506
www.autotitlesolution.com
Auto Title Solution provides efficient and accurate title and registration services. Our knowledgeable experts will ensure that your vehicle is properly titled and registered in a punctual and efficient manner.
AutoZone Booth# 302
123 S. Front Street Memphis, TN 38103 (901) 495-6500
www.autozonepro.com
Quality automotive parts and accessories.
Centex Auto Title 9707 FM 812 Ste.4 Austin, TX 78719 (512) 906-2711
www.centexautotitle.com
Full Service Deputy title service for Texas, Processing title & registration work for dealers and the public.
Coverlay Manufacturing Booth# 105 4017 Hwy 67 North San Angelo, TX 76905 (800) 633-7090
www.coverlaymfg.com
Coverlay Manufacturing Inc. is a Texas based manufacturing business which produces interior auto parts. We manufacture dash covers, door panels, instrument cluster covers, and other interior auto parts. Made in the USA, with lifetime warranties.
Dealer Services Network, LLC Booth# 114 3155 SW 10th Street, Suite D Deerfield Beach, FL 33442 (786) 218-2945
www.dsn.net
Dealer Services Network simplifies tag/ title/ registration and dealership document compliance with innovative tools that boost profits, streamline operations, and enhance the customer experience.
DealerAdmin.io
8940 Fourwinds Drive Suite 610 Windcrest, TX 78239 (210) 728-6464
www.dealeradmin.io
You can lower your Admin Fees by 30 to 60%. DealerAdmin.io uses technology to lower your cost, easier to use and better analytics to help you grow your profits and customer retention. DealerAdmin.io provides Reinsurance, LImited Warranties, Service Contracts, Debt Cancelation and Ancillary products for Independent Dealers.
eBay Motors
583 West eBay Way Draper, UT 84020 (801) 624-8774
www.ebay.com/motors
eBay Motors is the global eCommerce marketplace for your dealership. eBay Motors is a major part of this digital world where buyers and sellers connect 24 hour a day, 7 day a week with zero traditional geographic borders. Buyers come to eBay Motors, not to submit leads, but to buy their next vehicle.
Great American Automotive Products
6701 Concord Park Drive Houston, TX 77040 (713) 744-7823
2204 Timberloch Place, Suite 150 The Woodlands, TX 77380 (281) 823-6050
www.innovationfinancialservice.com
Innovation Financial Services partners with automotive dealerships nationwide to increase income by evaluating businesses and offering solutions through superior products, innovative technology, handson and consistent training as well as implementation of processes.
O’Reilly Auto Parts Integrated Parts Operations Booth# 202 233 S Patterson Ave Springfield, MO 65802 (417) 873-2068
www.oreillyauto.com
O’Reilly Integrated Parts Operations (IPO) is committed to providing industry leading customer service, reducing administrative costs, and eliminating inventory overhead. Partnering with O’Reilly gives you access to one of the nation’s largest parts distribution networks, custom-managed inventory and on-site parts professional(s).
Royal Key Supply .................... Booth# 614 1222 Corporate Dr. W., Suite E Arlington, TX 76006 (817) 779-4758 X-102
www.royalkeysupply.com
Your Trusted Automotive Locksmith Supplier. We are driven to provide top-quality, wholesale automotive locksmith supplies to our valued customers including a wide range of keys, tools, machines and so much more.
VendorDirectory
SpectrumVoIP Booth# 728 7600 Windrose Avenue, Suite 350 Plano, TX 75024 (972) 312-0388
www.spectrumvoip.com
SpectrumVoIP, Inc. is an award-winning global service provider of cloud-unified communications. Our flagship product is our cloud-based, hosted phone system which delivers the most extensive and feature-rich telecommunication platform available.
TAPY CAR Booth# 122
4315 Clark Rd Houston, TX 77040 (832) 459-4362
www.tapycar.com
The world’s first Smart Auto Dealer Tag. Tap to view car photos, specs, and CarFax—no APP needed. Reusable, eco-friendly, and proudly part of TIADA member Kayalar Motors.
DIGITAL MARKETING/SEO
AutoSweet ................................. Booth# 610 2260 W. Henderson Road, Suite 200 Columbus, OH 43220 (614) 745-0631
www.autosweet.com
AutoSweet is a digital marketing and advertising firm that helps car dealerships nationwide drive quality website traffic, convert leads and match back offline sales from their online advertising.
Big Time Advertising & Marketing Booth# 221 732 Crown Industrial Court, Suite N Chesterfield, MO 63005 (636) 778-2045
www.gowithbigtime.com
Big Time Advertising & Marketing is a fullservice automotive advertising agency built by car people, for car people. Since 2014, we’ve helped independent and franchise dealers grow through creative, high-impact strategies.
Cars.com Booth# 118 300 S. Riverside Plaza Chicago, IL 60606 (888) 780-1286
www.dealers.cars.com
Cars.com is a leading digital automotive marketplace that improves car decision making by connecting buyers and sellers more intelligently and efficiently. Cars. com delivers serious, ready- to-buy car shoppers to your dealership through our media affiliates, partnership network, and extensive advertising campaign.
Dealer.com by
Cox Automotive ....................... Booth# 527 1 Howard St Burlington, VT 05401 (877) 327-8422
www.dealer.com
Dealer.com is changing the face of digital marketing with data-driven solutions, personalized consumer journeys, more qualified leads, and greater profitability.
VendorDirectory
SearchLab Digital Booth# 629
720 W. Randolph St., Suite 1C Chicago, IL 60661 (312) 313-3447
www.searchlabdigital.com
A boutique local SEO and PPC agency like none other. We do more, and we do it better.
TIADA Offer: Get FREE Tax Season Consulting Group membership with Tax Max subscription! (first 50 dealers) Email for details. We also manage tax refunds for down payments.
The Dream Team Media Company Booth# 708 6046 FM 2920 #327 Spring, TX 77379 (832) 433-5626
www.dreamteammediaco.com
We are a full-service marketing company dedicated to helping dealerships navigate the dynamic world of digital marketing, decipher data, and consistently win offline sales
FINANCE/BANKING
Agora Data, Inc. ...................... Booth# 411 700 West Arkansas Lane, Suite 150 Arlington, TX 76013 (682) 777-2003
www.agoradata.com
Agora Data’s platform delivers a suite of tools to empower Buy Here Pay Here dealers and finance companies to finance their subprime customers.
Alamo Financial
1580 S. Main St., Suite 102 Boerne, TX 78006 (210) 530-0500
www.alamofinancialcorp.com
Purchase Finance Contracts / Account Servicing for BHPH Dealers.
Sell your notes to increase your CASH flow. Avoid the hassle of servicing your accounts. We can offer you financial flexibility in today’s auto industry.
Car Financial Services, Inc. Booth# 229 1000 South Main Street, Suite 100 Grapevine, TX 76051 (972) 538-2030
www.carfinancial.com
CAR Financial has a proven track record of over 30 years in the Auto Finance industry and can customize a purchase/service program that meets your needs.
Car Financial Services, Inc. - San Antonio ........................................ Booth# 229 8503 Broadway, Suite 112 San Antonio, TX 78217 (210) 544-5709
www.carfinancial.com
Account Bulk Purchase Program (BULK), Floor Plan, Payment Interval Purchase Program (PIPP) and Portfolio Servicing.
Credit Acceptance
Corporation Booth# 705 25505 West Twelve Mile Road Southfield, MI 48034 (248) 826-2700 X-5526
www.creditacceptance.com
For more than 50 years, Credit Acceptance auto financing programs have helped dealers approve every customer, sell more cars, and get same-day funding.
Econolend Tucson LLC 3848 E 5th St Tucson, AZ 85716 (888) 901-9660
www.econolend.com
EconoLend offers competitive loans to new car or used car buyers with no credit or bad credit history.
First Horizon Bank 165 Madison Ave., Floor 10 Memphis, TN 38103 (515) 689-1453
First Horizon Bank provides senior debt capital to BHPH and auto finance companies. In addition, we provide traditional banking and treasury management services.
First Texas Auto Credit 3501 Olympus Blvd. #170 Dallas, TX 75019 (469) 637-0101
www.firsttexasautocredit.com
Deep sub-prime Auto finance company specializing in caring for your customers so they come back to your dealership.
Frost Bank 640 Taylor St Fort Worth, TX 76102 (817) 420-5407
www.frostbank.com
Traditional Banking, Investments and Insurance services.
Lendmark Financial Booth# 722 2118 Usher Street Covington, GA 30014 (210) 269-0467
www.lendmarkfinancial.com
Offering auto financing in the near prime to sub-prime market with no fees to dealers, as well as no recourse to dealer partners.
LHPH Capital, LLC Booth# 711 2877 Historic Decatur Rd STE 100 San Diego, CA 92106 (619) 222-9990
http://www.lhph.com
LHPH Capital provides lines of credit from $500K-$25MM for dealers looking to start or fund their Lease-Here-Pay-Here program. We are a lender dedicated to the leasing space with the goal of helping dealers grow and provide affordable reliable transportation for their customers.
*Lobel Financial (Pg. 5).......... Booth# 102 7330 San Pedro Ave., Suite 402 San Antonio, TX 78216-6235 (210) 541-9500
www.lobelfinancial.com/dealers
Lobel Financial is a technology-based, privately held consumer finance company that specializes in the acquisition and servicing of prime to sub-prime motor vehicle retail installment sales contracts.
*Mobility Credit Union (Pg. 20)............................................. Booth# 120 8384 N Belt Line Rd Irving, TX 75063
www.mobilitycu.com
MCU is a proud ally to our Texas independent dealers for over 50 years! Our competitive indirect program specializes in low-rate deals and competitive dealer compensation.
PFS Auto Finance of Texas LLC Booth# 116 PO Box 811 Spartanburg, SC 29304 (469) 263-4265
www.pfs-corp.net
Sub-prime lender, not beacon score driven. “Common sense loans at uncommon speed”
VendorDirectory
*PrimaLend Capital Partners (Pg. 36) Booth# 314 10300 N. Central Expressway, 410 Dallas, TX 75231 (972) 239-6668
www.primalend.com
PrimaLend provides lending solutions designed to help BHPH dealerships grow their businesses with increased cash flow and expert guidance. A Line of Credit with PrimaLend, allows you to finance and service your receivables, so you can keep your customers and your profits.
SDA, Inc. ..................................... Booth# 726 2060 Mount Paran Road NW Suite 101 Atlanta, GA 30327 (404) 352-9936
www.sdainc.net
Providing capital to Buy-Here, Pay-Here Dealers Nationwide for over two decades!
Strategic Dealer Services .... Booth# 311 524 E Lamar Blvd., Suite 100 Arlington, TX 76011 (214) 838-1212
www.sdealers.com
Capital Lines of Credit, Bulk Purchasing, BHPH Receivable Servicing, Warranty and Marketing Services.
Westlake Financial Services ...................................... Booth# 720 4751 Wilshire Blvd. Suite 100 Los Angeles, CA 90010 (210) 563-4362
www.westlakefinancial.com
Westlake Financial Services offers fullspectrum auto financing for franchise and independent dealers across 44 states. Visit our website today to learn more.
Wied Auto Finance Solutions, LLC (WAFS)
2106 E Southlake Blvd, Suite L608 Southlake, TX 76092 (817) 521-3705
www.w-afs.com
We can do different for YOU. WAFS has partnered with the most innovative providers/vendors in the auto industry to bring our clients best-in-class products.
Woodlands Financial Services, Inc
10655 Six Pines Dr.,Suite 140 The Woodlands, TX 77380 (281) 367-2040
www.woodfininc.com
Woodlands Financial Services Inc., is a Texas based regional auto finance company, that has been serving independent automobile dealers since 1993 by providing underwriting, financing and collection services.
FLOORPLAN
AFC (Automotive Finance Corporation) Booth# 715 11299 N. Illinois Street Carmel, IN 46032 (888) 335-6675
www.autofinance.com
AFC is the premier capital funding source for the used car industry. With a variety of flexible floorplans, we service more than 15,000 independent dealers.
AXLE Funding partners with independent dealers to provide financing solutions for their inventory needs.
Floorplan Xpress, LLC 7270 Gilpin Way, Suite 230 Denver, CO 80229 (855) 605-6991
www.fpxus.com
Floorplan Xpress’ history began with a simple thought: make it easy for used car dealers to finance their inventory. We can’t wait to show you how easy it is.
Kinetic Advantage ................. Booth# 127 10333 N. Meridian Street, Suite 400 Carmel, IN 46290 (833) 310-1610
www.kineticadvantage.com
Kinetic Advantage is a floorplan company led by trusted industry veterans. We are committed to forging strong partnerships through transparent communication and simple, innovative solutions.
NextGear Booth# 527 11799 North College Avenue Carmel, IN 46032 (317) 975-2657
www.nextgearcapital.com
NextGear Capital is the industry’s leading comprehensive finance provider, providing dealers the buying power they want with the flexible terms they need.
Advantage GPS provides technology solutions for BHPH and Independent Dealers that reduce risk, protect assets, drive service revenue, and unlock new F&I opportunities.
GPS Solutions of America 24230 Kuykendahl Road, Suite 310 Tomball, TX 77375 (281) 255-0521
www.gpssolutionsofamerica.com
Texas based, Local customer service. Very Dependable and Reliable GPS Tracking Solutions. In the business over 25 Years.
InAuto, LLC Booth# 719 2820 Towns Gate Road, Suite 204 Westlake Village, CA 91361 (877) 648-5777
www.inautosolutions.com
InAuto provides advanced vehicle monitoring solutions for dealers and finance companies powered by the most reliable hardware and software platforms in the industry.
VendorDirectory
*Ituran USA Inc. (Pg. 48) ........ Booth# 316 1700 NW 64th Street, Suite 100 Fort Lauderdale, FL 33309 (954) 484-3086
www.ituranusa.com
Ituran provides a superior GPS tracking solution with top-quality wired & wireless devices. 24/7 live customer service and tech support. Full DMS integrations, a unique set of reports & powerful collection tools.
SVR Tracking Inc Booth# 725 7160 Convoy Ct San Diego, CA 92111 619-900-6264
www.svrtracking.com
SVR offers GPS and telematics devices and software feature sets that provide the flexibility and customization for vehicle and asset tracking applications in BHPH and Used Car Dealers, Franchise Dealers, Subprime Financing and Auto Lending.
HUMAN RESOURCE SOLUTIONS
Allied Customer Solutions Booth# 710 3090 S Durango Drive, Suite 101 Las Vegas, NV 89117 (844) 275-2569
www.goacsi.com
*AVP - Assured Vehicle Protection, Inc. (Inside Back Cover) .................. Booth# 602 6717 Shawnee Mission Parkway Suite D Mission, KS 66202 (913) 396-5480
www.avpadmin.com
ASSURED VEHICLE PROTECTION, INC. –Experience and Compliance matter – CPI, Debt Cancellation, GAP Waivers, Limited Warranties, VSCs and Customized Programs. Reinsurance company formation & administration since 2002.
PassTime GPS.......................... Booth# 326
861 Southpark Dr. #200 Littleton, CO 80120 (800) 828-1564
www.passtimegps.com
PassTime provides GPS Solutions to connect vehicles and protect assets in the BHPH, auto finance, franchise dealer and fleet industries. PassTime stands behind reliable products matched with 24/7 Live Customer Service.
610 Terminal Way Costa Mesa, CA 92627 (888) 726-3511
www.sarekon.com
GPS provider and manufacturer, credited for deploying over 1/2 million active devices and counting. 99% retention rate.
ACSI is a contact center with 27+ years of experience in collections, licensed nationwide, specializing in BHPH. We deliver compliant, customized solutions that support auto dealers and finance companies in maximizing their collections.
INSURANCE
All American Bonds and Insurance 7224 Sands Cove Court, Suite 7 Winter Park, FL 32792 (844) 321-2663
www.quickerbonds.com
Used Car Dealer Insurance and Bonds Experts. Lowest Rates and Fastest Service!
Stars GPS ................................... Booth# 415 1465 Plaza South Drive, Suite B Kernersville, NC 27284 (336) 476-7828
www.stars-gps.com
Add $500+ Profit with Connected Car for Retail Sales. Consumer controlled; APP driven. BHPH can enjoy up to $10,000 Recovery Warranty. Full Suite of features available. Fully 5G compatible.
American Risk Services Booth# 516 1130 Congress Ave Cincinnati, OH 45246 (770) 378-3067
www.AmericanRiskServices.com
American Risk Services provides real Collateral Protection Insurance that is fully compliant. All policies, forms, and rates are approved by the Texas Department of Insurance.
*Buckeye Risk Services (Pg. 16) Booth# 315 1170 E. Western Reserve, Building 2Second Floor Poland, OH 44514 (330) 726-9030
www.buckeyerisk.com
Buckeye Dealership Consulting is now Buckeye Risk Services! Same company; new name. We’ll customize a reinsurance program with CPI, debt cancellation, warranties, VSCs, and more.
CP Insurance Associates has been “THE SOLUTION” for Collateral Protection Insurance “CPI” for over 20 years! The absolute best dealers in Texas have teamed up with CPIA for the best results! Call us and join our Team! (800-366-0036)
106 E. Main St Royse City, TX 75189 (469) 707-3063
www.mahaffeyins.com
Leading provider of vehicle remarketing services, connecting qualified buyers and motivated sellers to achieve results.
*National Lenders General Agency, LLC (Pg. 30) ................................... Booth# 303 17047 El Camino Real, Suite 211 Houston, TX 77058 (817) 767-9200
www.nationallenders.com
National Lenders offers CPI and F&I products to BHPH, LHPH, and retail dealers, providing unmatched protection. Licensed in Texas and 25 other states. Visit nationallenders.com
Sentry Insurance
1800 North Point Dr Stevens Point, TX 54481 (715) 302-2711
*Mullen Insurance
Agency Inc. (Pg. 32) .................. Booth# 203
337 Oaks Trail, Suite 200 Garland, TX 75043 (972) 681-6297
www.mulleninsurance.com
Spotlight on Insurance Solutions for Texas Independent Auto Dealers. Let us work WITH and for you in providing the most appropriate insurance protection for your operation and insurance budget.
www.dairylandinsurance.com
Quality insurance. Superior customer service. The Dairyland Difference. When your car buyer needs auto insurance right away, Dairyland can connect them with one of our agents who can bind a policy over the phone, in-person, or through our online process.
Statewide Insurance and Title Agency 1946 Pech Rd., Suite 108 Houston, TX 77055 (713) 984-2372
Williams and Stazzone Insurance Agency, Inc. Booth# 227 6549 N. Wickham Road, Unit 101 Melbourne, FL 32940 (800) 868-1235
www.wsins.com
Garage Liability, Dealers Open Lot, Building & Contents,Workers Compensation, Collateral Protection & Cyber/Data Liability.
LEGAL SERVICES
CounselorLibrary/Hudson Cook, LLP 918 S.W. 107th Street, Suite 200 Oklahoma City, OK 73170 (405) 602-3812
www.counselorlibrary.com
Online complimentary consumer credit compliance and privacy products, created, maintained, and supported by attorneys.
Jameson & Dunagan, PC 5409 LBJ Freeway, Suite 700 Dallas, TX 75240 (214) 369-6422
www.jdlawtx.com
A Dallas-based boutique law firm bringing over 40 years of expertise to clients worldwide.
VendorDirectory
Johnson Deluca Kurisky Gould, P.C. 1221 Lamar, Suite 1000 Houston, TX 77010 (713) 652-2525
www.gkurisky@jdkglaw.com
As members of the National Association of Dealer Counsel, many of our attorneys focus on the representation of motor vehicle dealers and matters unique to the industry.
Byrider Franchising Booth# 130 12802 Hamilton Crossing Blvd. Carmel, IN 46032 (800) 947-4532
www.byriderfranchise.com
Byrider, the leading BHPH franchise, offers full support, proprietary systems, and growth tools to automotive pros ready to own and operate their own franchise.
PAYMENT PROCESSING
*BlytzPay, LLC (Pg. 18) ............ Booth# 215 13961 S. Minuteman Way, Suite 150 Draper, UT 84020 (801) 658-2212
Naman, Howell, Smith & Lee
400 Austin Ave., Suite 800 Waco, TX 76703 (254) 755-4207
www.namanhowell.com
Serving dealership’s legal needs across Texas with offices in: Austin, Fort Worth, Houston, San Antonio, and Waco.
Full service architectural and interior design firm specializing in automotive dealership design.
American Recovery Association Booth# 511
7750 N. MacArthur Blvd., Suite 120 -#321 Irving, TX 75063 (972) 755-4755
www.repo.org
The American Recovery Association, Inc. is the world’s largest organization of professional finance adjusters and certified asset recovery specialists.
Auto Data Direct, Inc. .......... Booth# 510 1830 East Park Avenue, Suite 1 Tallahassee, FL 32301 855-300-3455
www.add123.com
Auto Data Direct (ADD) delivers web-based solutions to automotive dealers, providing access to real-time vehicle records from 40+ state DMVs, NMVTIS title checks, and more!
*North Texas Tollway Authority (Pg. 12)........................ Booth# 707 5900 W. Plano Parkway, Suite 100 Plano, TX 75093 (214) 224-2232
www.ntta.org
The NTTA is an organization sanctioned by the State of Texas to develop and maintain high-quality roadways in North Texas. NTTA tollways are designed to relieve traffic congestion and get North Texans around the region quickly, easily and safely.
PULSE, The Profit Builder
5415 Maple Ave, Suite 351 Dallas, TX 75235 (972) 854-8057
www.customizeddfs.info
An experienced team providing multiple profit-enhancing services to retail and BHPH dealerships at low cost
SiriusXM Booth# 505 1221 Avenue of the Americas, 35th Fl New York, NY 10020 (313) 510-4814
www.siriusxmdealerprograms.com/ enrollNow.aspx
Independent Dealers can join our FREE Pre-Owned Program to extend 3-months of SiriusXM to their customers. No credit card required.
Teks Solutions is an outsourcing partner that provides results for our customers thanks to our qualified personnel and the use of the finest technology. We increase the number of payments received, increasing cash flow, best collection practices, and best customer services.
Professionals - a Texas Association for licensed repossession professionals
www.blytzpay.com
BlytzPay is a collections management platform that speeds up payments and boosts customer engagement, helping automotive dealers and lenders build stronger, more durable relationships.
Holman Business Services
200 University Blvd. Suite 225-136 Round Rock, TX 78665 (888) 454-1227
www.holmanbusinessservices.com
Holman Business Services provides electronic payments processing solutions that are specifically for auto dealers.
PayNearMe ................................ Booth# 620 5201 Great America Parkway, Suite 320 Santa Clara, CA 95054 (650) 930-1020
www.paynearme.com
PayNearMe develops technology to facilitate the end-to-end customer payment experience, making it easy for businesses to accept, disburse and manage payments.
3060 Peachtree Road NW, Suite 1100 Atlanta, GA 30305 (877) 607-5468
www.repay.com
Card/ACH Payment Processing, Online Payments, IVR/Phone Payments, Text Pay, Mobile App, Convenience Fee Model Pricing.
VendorDirectory
SERVICE CONTRACTS
Brown & Brown Dealer Services 2425 W Pioneer Pkwy #100 Arlington, TX 76013 (817) 832-8358
www.bbdealerservices.com
Providing solutions. Provider of service contracts, Certified Vehicle (CPO) warranties, and finance products (including profit sharing programs- retro, reinsurance and DOWC. All forms of insurance including garage keepers and employee benefits
CARS Protection Plus, Inc.
4350 Northern Pike, Suite 143 Monroeville, PA 15146 (888) 335-6838 x-1233
www.carsprotectionplus.com
Extended service contract provider. Quality service since 1998. Fully insured. Contracts available on vehicles up to 200,000 miles.
Comeback Auto Assist
4451 Dale Earnhardt Way Unit Roanoke, TX 76262 (214) 972-8180
www.comebackautoassist.com
We specialize in wholesale Paintless Dent Repair (PDR) tailored for dealership lots after severe weather. We also build fully managed, high-performing retail repair hubs directly at your location.
Elite Warranty - Byler Agency
625 Creekside Way, Apt. 1224 New Braunfels, TX 78130
GSFSGroup offers a full suite of F&I products, including several popular CPO programs, and provides fully integrated solutions from claims administration and partner training and development to dealer profit participation structures.
GWC Warranty Booth# 727
6010 Atlantic Blvd Norcross, GA 30071 (800) 482-7357
www.gwcwarranty.com
GWC Warranty provides the right F&I solutions, training, profit-building programs, and lender network for independent dealers.
Innovative F&I Services Inc
701 Three Creeks Dr Bertram, TX 78605 (281) 744-9740
www.innovativefiservices.com
Innovative F&I Services provides Service Contracts, GAP, Tire and Wheel, Windshield Repair and Replace, Tint, Diminishing Value, GPS, CPI as well as other Ancillary products. Innovative F&I also provides Compliance and Sales Training.
Integrity Warranty LLC
8822 Production Lane, Suite 106 Ooltewah, TN 37363 (877) 483-6659
www.integritywarranty.com
Established in 2017 Integrity Warranty is backed by Plateau Casualty Insurance Company, and AM BEST A - Rated insurance company that guarantees every contract issued by our company.
LodeStar Re Booth# 205 PO Box 92647 Albuquerque, NM 87199 (877) 674-6123
www.lodestarreinsurance.com
LodeStar Re’s level of service is sky high compared to other reinsurance practitioners. Our focus is on integrity and value. In navigation, a lodestar is used to guide the course of a ship. In reinsurance, look to LodeStar Re to be your beacon.
NVP Warranty
5755 Granger Road, Suite 205 Independence, OH 44131 (888) 270-5835
www.nvpwarranty.com
We offer a full range of vehicle service contracts to offer coverage to meet every need and budget.
Peak Performance Team Booth# 103 351 Highway 17 North Surfside Beach, SC 29575 (585) 257-5016
www.peakperformanceteam.com
Provider of Service Contracts, My Certified Limited Warranties and Finance Products.
*Preferred Dealer Solutions (Pg. 43) Booth# 514 26 N. Main Rockford, MI 49341 (616) 238-9220
www.preferreddealersolutions.com Reinsurance setup and Management
Provided F&I solutions for the automotive industry for over 60 years and serves thousands of dealerships with F&I products, training, wealth building programs and technology.
9650 W Taron Dr Elk Grove, CA 95757 (800) 859-3282
www.alldata.com
We’re the industry’s #1 choice for OEMaccurate mechanical and collision repair information, shop management software and support services, trusted by more than 400,000 technicians in over 115,000 shops worldwide.
Auto Analytix Advisors ........ Booth# 713
4215 Murwick Dr Arlington, TX 76016 (806) 640-2819
www.autoanalytix.net/
Auto Analytix empowers auto dealers with actionable insights through data visualization, helping optimize collections, cash flow, and portfolio performance with custom dashboards and expert analysis.
We specialize in multiple DMS integrations with QBO, Dynamics, PayNearMe, etc. We have the deepest knowledge specific to IDMS; Class Codes, GL and APIs. Developing tools to import flat file(spreadsheets), with data including CPI charges, payments, etc.
DRIVEE AI
3031 Tisch Way San Jose, CA 95128 (408) 313-4786
www.drivee.ai
#1 AI Provider for dealerships
Emotive Software, Inc. ........ Booth# 608
2563 Stadium Dr. Fort Worth, TX 76109 (817) 991-1900
www.emotivesoftware.com
Emotive Software brings sales, finance, and accounting together into one system for auto finance companies and dealers to automate workflows, increase accuracy, and reduce workload.
FRIKINtech
34 Blair Park Road, Suite 104-254 Williston, VT 05495 (833) 374-5468
www.frikintech.com
Solutions made for car dealers by car dealers. Our fully automated solutions help you engage shoppers everywhere they are, whether that’s your website, social media, service drive, or a past-sold customer. FTC Cars Rule Ready. BDC agents are also available.
HelloRamp.ai
1013, Centre Road, Suite 403-B Wilmington, DE 19805 628-235-3524
www.helloramp.ai
HelloRamp.ai helps dealerships create studio-quality images and 360° walkthroughs with just a phone. Our Magic Media tool auto-generates social ads and videos—boosting online visibility, cutting costs, and attracting more leads effortlessly.
Micro 21
13700 State Rd., #10 Cleveland, OH 44133 (800) 647-1121
www.m21.com
Finance, Lease, Buy Here Pay Here, Inventory, Credit Bureau, Websites, Credit Application Portals, Forms Processing
Neo Verify Booth# 308
700 Villa Centre Way San Jose, CA 95128 (408) 406-5174
www.neoverify.com
Neo provides a SaaS-based loan origination and underwriting system along with a CRM to BHPH dealers.
Podium Booth# 124
1650 W. Digital Dr Lehi, UT 84043 (801) 376-0677
www.podium.com
Podium is your all-in-one AI-powered lead management and communication platform used by 6,000+ dealerships to deliver instant lead responses 24/7—significantly increasing conversion rates and revenue.
SecureClose ............................. Booth# 509 1225 West Main St., Suite 101-601 Mesa, AZ 85201 (770) 856-0893
www.secureclose.net
SecureClose-NEXT combines the presentation of compliant legal disclosures with electronic document presentation, E-Signature, and document and presentation storage.
We specialize in helping dealers solve their unique problems. From cash position to reinsurance and warranties to technology and operational consulting,, we have you covered.
6205-B Peachtree Dunwoody Rd. Atlanta, GA 30328 (630) 590-2000
www.vauto.com
Trust vAuto’s industry-leading live market data and insights to guide your inventory management decisions and take your business to the next level.
TRANSPORT
Central Dispatch by Cox Automotive Booth# 527 26387 Network Place Chicago, IL 60673 (800) 928-7869
www.centraldispatch.com
Central Dispatch connects shippers with carriers on the nation’s largest self managed digital marketplace for automotive transportation
VendorDirectory
PORT DriveAway
10935 Estate Lane #433 Dallas, TX 75238 (972) 777-5979 X-101
www.youcontrolthewheel.com
A door-to-door transportation service to get your vehicles to and from the Auction Houses, Dealer Trades, and customer Deliveries. PORT also offers safe and secure storage where we accommodate customers’ needs for short and long-term asset storage.
VEHICLE HISTORY REPORTS
CARFAX ....................................... Booth# 129 5860 Trinity Parkway, Suite 600 Centreville, VA 20120 (703) 934-2853
www.carfaxfordealers.com
CARFAX provides trusted information to help millions of people buy and sell used cars with confidence every year.
6205-B Peachtree Dunwoody Road Northeast Atlanta, GA 30328 (877) 627-9585
www.autotrader.com
Autotrader.com is the ultimate online automotive advertising solution for car dealers, as the #1 marketplace for leads closer-to-purchase and higher profits.
www.cargurus.com/ CarGurus helps drive profit at every stage of the vehicle lifecycle with solutions to source, price, market, and sell inventory. If you’re looking to move inventory faster and boost your bottom line, check out CarGurus.
Please Welcome Our Newest TIADA Members
DEALER MEMBERS
Select Automotive Inc.
Miguel A Aranda 7845 North Loop, El Paso, TX 79915
Miller & Sons Funeral Car Sales
Frank R Miller .......................... 10522 Shady Trail, Dallas, TX 75220
Tap Auto Group LLC
Peter Miko 614 Isom Rd, San Antonio, TX 78216
Raskull Supply Co
Jennifer Banman ...................... 1303 N Main St, Seminole, TX 79360
Torresdey Motors
Javier Torresdey 7358 Alameda Ave, El Paso, TX 79915
Jayke Coberly 4451 Dale Earnhardt Way Unit, c51, Roanoke, TX 76262
TAPY CAR
Ozkan Oz ............................... 4315 Clark Rd, Houston, TX 77040
Royal Key Supply
Mark Maupin 1222 Corporate Dr. W, Ste E, Arlington, TX 76006
resource guide
The TIADA Website: www.txiada.org
Members can log in with their username/password and access our Dealer Member Directory, Legislative Action Center, Compliance Consultation Service and much more. Register for all upcoming TIADA events online through the Calendar of Events, access our online membership application, find contact information for all our Local Chapters, and access many additional resources through our Knowledge Base.
Texas Comptroller of Public Accounts 800.252.1382 comptroller.texas.gov
NIADA 817.640.3838 niada.com
REPOSSESSIONS
American Recovery Association 972.755.4755 repo.org or contact TIADA state office
FORMS Burrell Printing 512.990.1188 burrellprinting.com
legal corner
Bankruptcy Filed After Repossession: Supreme Court Case Offers Guidance
Dealer Question: I repossessed a car last week because of default on payments and failure to maintain property-damage insurance. I just received a fax from an attorney advising that my debtor filed Chapter 13 bankruptcy today. She is demanding that I return the vehicle immediately. Since I repossessed before the bankruptcy was filed, can I refuse?
Answer: In prior responses to this question (before 2021), the answer has been that you probably can’t refuse to return the vehicle to the debtor within a reasonable time without fear of being charged with violating the bankruptcy stay. However, because of a 2021 U.S. Supreme Court case, the answer is now that you do not have to make immediate return of the vehicle, although you can’t attempt to collect any balance or resell the collateral without permission of the bankruptcy court. And it is likely that the bankruptcy court would require returning the vehicle if a motion for turnover is filed by the debtor.
Repossession (or anticipation of repossession) is often the event that triggers bankruptcy filing. It is thus not unusual for the car creditor to get a call from a debtor’s attorney just after repossession, advising that bankruptcy has been filed and demanding that the vehicle be returned to the debtor. We often receive calls from dealers seeking guidance in this situation.
Most car creditors and lien holders know by now that the filing of bankruptcy is effective to stop the creditor from attempting to collect a debt, including repossession of collateral. We have addressed, in prior articles, the liability a creditor faces for repossessing collateral after a bankruptcy has been filed, and after the creditor has been notified of the bankruptcy. (We have also discussed the fact that any notice is sufficient to advise the creditor of the filing of the bankruptcy, regardless of the form of the notice, and that the creditor can’t refuse
to recognize the bankruptcy just because he or she has not received official notice from the bankruptcy court.)
A more difficult question arises when a buy-here-pay-here dealer (or other car creditor) has lawfully repossessed a vehicle, then is informed that the debtor filed bankruptcy after the repossession. As shown by the large number of calls
by Michael W. Dunagan
TIADA COUNSEL
we get from dealers facing this situation (often on a Friday afternoon), this is a common fact situation. We have found that the repossession was what triggered the filing of the bankruptcy, as the debtor sought to get the car back. In many cases the debtor may have already visited a bankruptcy attorney to discuss available options.
What makes the situation even more frustrating is that often the debtor had been hiding the vehicle prior to repossession. The creditor may fear that after giving it back to the debtor, it may never be seen again.
Prior to the Supreme Court decision in City of Chicago v Fulton (the Fulton case) on January 14, 2021, one of the main cases that was relied upon for guidance on the issue of post-repossession filing of
As shown by the large number of calls we get from dealers facing this situation (often on a Friday afternoon), this is a common fact situation. We have found that the repossession was what triggered the filing of the bankruptcy, as the debtor sought to get the car back.
Upcoming Events 2025
TIADA DEALER ACADEMY
For online registration and information, see www.txiada.org
ON-DEMAND OFFERINGS
For a complete list of available on-demand education offerings, go to www.txiada.org/on_demand
IN-PERSON TIADA EVENTS
July
27 House of Delegates Meeting
Gaylord Texan Resort & Convention Center
Grapevine, TX
27-29 2025 TIADA
Conference & Expo
Gaylord Texan Resort & Convention Center
Grapevine, TX
bankruptcy was In Re Frank R. Zaber in the Northern District of Texas. In that case, GMAC had repossessed Zaber’s vehicle on April 9 when he fell behind on payments. On April 15, Zaber filed a Chapter 13 bankruptcy. He promptly notified GMAC of the filing and presented proof of insurance and demanded return of the vehicle.
When GMAC refused to return the vehicle, Zaber filed a motion asking the court to force GMAC to return the vehicle to him (formally called “turnover of property of the estate”) and to find that GMAC intentionally violated the bankruptcy stay.
After an emergency hearing, the court found that GMAC had intentionally violated the bankruptcy stay by refusing to return the vehicle in a reasonable time after notice of the bankruptcy was given and proof of insurance was presented.
The court looked to the statutory language of the bankruptcy stay found in Section 362(a)(3) of the Bankruptcy Code, which prohibits a creditor from taking “any act to obtain possession of property of the estate… or to exercise control over property of the estate.” The court found that the first part (“obtain possession” ) referred to repossession, but that the second part (“or to exercise control over property of the estate” ) applied to the refusal of a creditor in possession of collateral to return it once a bankruptcy had been filed. That is, even though the creditor took possession prior to bankruptcy, the subsequent filing of bankruptcy imposed a duty on the creditor to return the property. The creditor’s failure to return it amounted to an exercise of control of the property of the (bankruptcy) estate in violation of the automatic stay.
In addition to compelling return of the vehicle, the court ordered GMAC to pay Zaber’s attorneys fees and to reimburse Zaber for the cost of a rental car between the time the vehicle should have been returned
and the date it was actually given back.
The majority position of courts around the country has been that the debtor retains property rights in the repossessed collateral until the time that the vehicle has been properly and legally disposed of by the creditor under the requirements of the Uniform Commercial Code. Under the U.C.C., a debtor has the right to redeem repossessed collateral up until the time it is legally disposed of. This right of redemption is the legal basis used by these courts to hold that the collateral remains “property of the estate” and thus subject to the bankruptcy stay.
In the past, because of the potential for damages to be assessed against a car creditor for failure to immediately return a vehicle under the holding of the Zaber case, we had advised our clients to return the vehicle after a post-repossession bankruptcy filing once coverage of property-damage insurance was established.
However, the Supreme Court has now overthrown the line of cases, such as Zaber, that held that the refusal of a lien holder to return property upon the filing of a bankruptcy was a violation of the bankruptcy stay. The rule announced in the Fulton case is that the mere retention of (bankruptcy) estate property after the filing of a bankruptcy petition does not violate the bankruptcy stay provision
With the Fulton case as authority, we now advise our clients that they are not obligated to make immediate return of the vehicle.
The facts of the Fulton case involved the impoundment of vehicles by the city of Chicago for failure to pay fines for motor vehicle infractions. Some of the vehicle owners filed Chapter 13 bankruptcy petitions after impoundment and demanded the return of their vehicles. When the city refused to return the vehicles, actions were filed in the bankruptcy court claiming a
violation of the bankruptcy stay (Sec. 362(a)(3) of the Bankruptcy Code). The bankruptcy court and the Federal Court of Appeals found the city to have violated the bankruptcy stay by refusing to return the vehicles. The Supreme Court in Fulton overturned the holdings of the lower courts and found that the mere retention of the vehicles did not violate the stay.
It’s important to note that the Court’s opinion did not say that a lien holder was not affected by the bankruptcy, but only that retention of the property did not violate the stay.
The impact of the Fulton case is somewhat tempered by the fact that the bankruptcy stay, even when the bankruptcy is filed after a repossession, still prohibits any attempt to collect indebtedness or to resell the property. Thus, the creditor can’t go forward with the usual non-bankruptcy disposition of the collateral, and must still obtain relief from the bankruptcy stay (such as a lifting of the stay) in the bankruptcy court.
Another factor that limits the benefit to creditors of the Fulton decision is that debtors can seek, through the filing of an adversary action in the bankruptcy court, an order requiring the creditor to turnover the collateral to the debtor.
The big difference between preFulton law and the current state of the law is that the creditor no longer faces the prospect of penalties and paying debtors’ attorney fees for the refusal to make immediate return of the vehicle. This fact can serve as leverage in negotiating the conditions under which the vehicle might be returned, or even possibly seeking to have the stay lifted or modified by the judge.
As is the case now and was before Fulton , a car creditor should send the required repossession notice (assuming bankruptcy has not yet been filed) as soon as possible after repossession to start the holding period. If, for instance, a creditor
sent appropriate notice, waited the appropriate time period, and disposed of the collateral – all prior to the filing of the bankruptcy – the courts have held that the vehicle is no longer property of the estate.
In one actual case we handled, the car creditor had sent strict foreclosure notice to the debtor, and the 20-day holding period had expired before the bankruptcy petition was filed. No written objection to the strict foreclosure was given to the dealer during the 20-day period. The debtor’s counsel filed a motion for turnover and for sanctions against the dealer when the
dealer declined to return the vehicle. After a hearing on the debtor’s motion, the court ruled that, under the strict foreclosure rules of the U.C.C., all redemption rights were cut off after the 20-day period expired, and the property reverted to the creditor. With no property rights with which to bring the collateral into the bankrupt’s estate, the court held that the dealer was not subject to the bankruptcy stay.
If the car creditor uses the private sale procedure (instead of strict foreclosure), the debtor has the right of redemption of the collateral up to the time the vehicle is actually
...because of a 2021 U.S. Supreme Court case, the answer is now that you do not have to make immediate return of the vehicle, although you can’t attempt to collect any balance or resell the collateral without permission of the bankruptcy court.
resold. That is, if the secured creditor sends a private sale notice with the usual 10-day period before the vehicle is to be resold, the debtor’s right to redeem doesn’t end with the expiration of the 10 days, but rather when the collateral is sold. Thus, even if the 10-day period has
passed, the unsold vehicle remains property of the estate. If the vehicle is sold on the 11th day, and the debtor files bankruptcy on the 12th day, the vehicle is not subject to the bankruptcy.
As in the pre-Fulton days, creditors should consider retaining
knowledgeable counsel to represent them before the bankruptcy court. The rules and procedure are often complicated and don’t lend themselves to self-representation. Also, neither the bankruptcy judge nor the Chapter 13 trustee is charged with advocating for the rights of individual creditors. And, unfortunately, the rights that creditors have must often be asserted through affirmative filings that require knowledge of the law and bankruptcy procedures.
Michael W. Dunagan is an attorney in Dallas, Texas who has represented the Texas Independent Automobile Dealers Association for 50 years. He has written a number of books and hundreds of articles for trade journals and law reviews. His clientele includes dealers, banks, finance companies, auto auctions and credit unions.
2026 State Officer Nominees
by TIADA Staff
Election for the TIADA Board of Directors will be held at the House of Delegates meeting during the 2025 TIADA Conference & Expo in Grapevine, Texas.
President
Greg Phea
Austin Rising Fast
8024 IH 35 North Austin, TX 78753
President Elect
Russell Moore
Top Notch Used Cars
900 East Davis Conroe, TX 77301
Chairman of the Board
Greg Reine Auto Liquidators
39670 LBJ Freeway Dallas, TX 75237
Secretary
Cesar Stark S&S Motors
7699 Alameda Ave. El Paso, TX 77915
Treasurer
Lowell Rogers 11th Street Motors
1355 N 11th St. Beaumont, TX 77702
Vice President, West Texas (Region 1)
Jose “Pepe” Munoz Gael Motors
7661 Alameda Ave. El Paso, TX 79915
Vice President, Fort Worth (Region 2)
Matt King Matt King Motor Company
2715 W. Pioneer Pkwy Arlington, TX 76013
Vice President, Dallas (Region 3)
Lucas Ponder Auto Smart
3202 Summerhill Rd. Texarkana, TX 75503
Vice President, Houston (Region 4)
Christina Sabillón Mi Tierra Auto Sales
7935 Gulf Freeway Houston, TX 77017
Vice President, Central Texas (Region 5)
Harry Buchelly Discovery Auto Sales
8140 North Lamar Blvd Austin, TX 78753
Vice President, South Texas (Region 6)
Chad Lancaster
Chacon Autos – San Antonio
1400 SE. Military Dr San Antonio, TX 78214
Vice President At Large
Cesar Torres Lofi Motors
4634 Ayers St. Corpus Christi, TX 78415
Vice President At Large
Tyler Simmons
Abilene Used Car Sales, Inc.
2150 N. 1st Street
Abilene, TX 79603
behind the wheel
Steering Toward Progress in Changing Times
As we prepare for this year’s Annual Conference, I’m reminded of what makes TIADA truly unique — not just our long-standing commitment to independent dealers, but the strength of our shared vision. Our members are the foundation of this organization, and your engagement drives everything we do.
Under the guidance of the TIADA Board of Directors , we’ve sharpened our focus on what matters most: protecting your business through proactive advocacy, delivering timely education, and creating meaningful opportunities to grow, and network with other dealers to better operate your business.
This past year, we’ve worked alongside you to respond to complex regulatory changes, support day-to-day dealer operations, and provide a clear voice for our industry at the Capitol. Our members benefit from the efforts that you are an integral part of their formulation, shaping and implementation.
by John Frullo
TIADA EXECUTIVE DIRECTOR
connect, and recharge. This year’s program — featuring sessions on compliance, operations, Buy Here Pay Here (BHPH), retail and industry trends — are anchored by a special fireside chat with Carvana CEO Ernie Garcia. It’s designed for dealers and how to expand your business operations in today’s global economy.
This July, your Annual Conference brings all that work together. It’s a space where dealers come to learn,
As we approach the Annual Conference, it’s clear that the strength of TIADA lies not only in its dedicated advocacy and resources but in the collaborative efforts of its members to drive the industry forward.
“Our members don’t just benefit from TIADA — they help build it.”
As Executive Director, I’m proud to serve an association that listens, evolves, and leads with purpose. I hope you’ll join us in July — outside of attending the best conference for Texas dealers it will help move your association and our industry in a direction that benefits you.
Register today at https://conference.txiada.org and take your seat at the table. The road ahead is better when we drive it together.
It’s clear that the strength of TIADA lies not only in its dedicated advocacy and resources but in the collaborative efforts of its members to drive the industry forward.
9951 Anderson Mill Rd., Suite 101 Austin, TX 78750
Our Texas locations celebrate 80 years of Manheim
This year, we’re celebrating 80 incredible years of our successful partnership. Thank you, Texas dealers, for making our journey together so amazing.
Join us at the 2025 TIADA Conference & Expo | Booth #527
Manheim Dallas | Manheim Dallas-Fort Worth | Manheim El Paso Manheim Houston | Manheim Texas Hobby | Manheim San Antonio Park Place Auto Auction - Powered by Manheim
