Aftermarket Compliance Platform

The missing piece in
aftermarket product
cancellation.

It doesn't matter who you use. ClearCancel plugs in alongside your existing platform and handles the critical, FTE-heavy part that no one has ever owned — until now.

See How It Works
$200M+
Enforcement actions
10+
Years of domain expertise
Why ClearCancel

The work happens
while your team
is still asleep.

Every lender using LCT, Allied, or F&I Sentinel has a workflow. What too many don't have is enough time or FTE working the problems inside that workflow — the exceptions, the rejections, the missing data, the refund quotes that don't reconcile.

Those accounts don't get resolved. They get deferred. They age. And every unworked exception is a compliance exposure sitting quietly on the books — waiting for an examination to find it.

ClearCancel's agents run overnight on your non-happy path accounts. By the time your team arrives, every problem has been diagnosed, every action has been drafted, and every escalation has been routed. Your FTE executes. They don't research.

That's the difference between a compliance program that keeps up — and one that falls behind.

Agents run while your team sleeps
Data files arrive nightly. Agents process every exception account automatically — overnight, before anyone arrives. The morning dashboard is pre-built and waiting at 8am.
Problems resolved before they age
Unworked exceptions don't just cost time — they become examination findings. ClearCancel ensures every non-happy path account gets reviewed, documented, and acted on. Nothing ages silently.
Your FTE executes — they don't research
Plain-language action cards tell your team exactly what to do, in what order, with draft communications already written. Decision-making stays with the experts. Execution belongs to your team.
Audit-ready documentation — automatically
Every account processed generates an examination-ready audit notation. Every decision is documented. When regulators ask, you have the record — without anyone having to build it after the fact.
$200M+
In enforcement actions across the industry
$4–5
Per exception — all of this, for a few dollars
The Missing Puzzle Piece

Everyone manages the workflow.
No one works the exceptions.

LCT Refund Control™, Allied Solutions Refund Plus, and F&I Sentinel facilitate the cancellation process. The lender manages the loan. The administrator manages the product. But no one has owned the critical, daily, FTE-heavy, exception review and variance analysis, in between — until now.

LCT · Allied · F&I Sentinel
These platforms manage the cancellation and refund acquisition process from beginning to end.
Lender
Manages the loan, the borrower relationship, and regulatory compliance obligations.
Administrator
Manages the aftermarket product — calculates refunds, handles cancellations, remits dealer portions.
+ ClearCancel
Works the exceptions. Resolves the errors. Directs your team. The one piece that was always missing.
The missing piece
The errors are everywhere
Fee discrepancies between the RIC and the GAP contract. Administrator data that doesn't reconcile. Variance that requires knowing the right calculation method for the right state. Dealers that never remit.
The expertise is rare
Finding and retaining staff who understand the compliance requirements, know how to resolve exceptions correctly, and can produce documentation that holds up in examination is expensive and increasingly difficult.
The exposure is real
Over $200M in enforcement actions. Active class action states. Statutory deadlines that reset every time a loan terminates. Every unworked exception is a potential examination finding.
ClearCancel Products

Start where you are.
Expand when you're ready.

Two products. One platform. Both powered by the same AI-driven exception review engine and over a decade of aftermarket compliance expertise.

ClearCancel — Entry product
ClearGAP
GAP cancellation compliance. Start here.
Full exception review, variance analysis, and audit trail for GAP cancellation refunds. Works with LCT Refund Control™, Allied Solutions Refund Plus, F&I Sentinel, or your own internal process.
What it covers
GAP waiver and addendum products
Debt cancellation contracts (DCC)
LCT, Allied Solutions, F&I Sentinel, or go-it-alone
All triggering events — early payoff, repossession, total loss
Dealer trend reporting and fraud detection
Dealer communication and collection activity
Dealer remittance runs optional
ClearCancel — Full suite
ClearProduct
Every aftermarket product. One platform.
Everything in ClearGAP extended to the full F&I aftermarket portfolio. Same platform, same infrastructure, same audit trail — across every product the lender finances.
Adds to ClearGAP
Credit life and A&H (CLAH)
Vehicle service contracts (VSC)
Tire and wheel protection
Paintless dent repair (PDR)
Key replacement and appearance protection
Any financed aftermarket product with a refund obligation
ClearGAP clients are already on the ClearCancel platform.
Adding ClearProduct is a configuration expansion, not a new implementation. Same agents, same infrastructure, same team.
How It Works

Findings ready before
your team arrives.

Data files arrive nightly. Agents process every exception automatically. By 8am, every finding is pre-processed, every action item is drafted, and your team executes — they don't research.

1
~11pm
File arrives
Nightly data file received from LCT, Allied, F&I Sentinel, or go-it-alone lender
2
12am–5am
Agents process
All exceptions reviewed overnight — variance, data quality, statutory deadlines, dealer status
3
8am
Dashboard ready
Every exception pre-processed, every action item drafted, escalations flagged
4
During day
FTE executes
Plain-language step-by-step directions. FTE executes decisions — they don't make them
5
End of day
Return file sent
Updated status returned to LCT or Allied — platform records stay current, audit trail complete
What ClearCancel Does

What no one else does.

Every capability built on over a decade of doing this work manually — now applied at scale through AI and automation.

Finds and fixes the errors
Fee discrepancies between RIC and GAP contract. Administrator data that doesn't reconcile. Variance that can't be explained. ClearCancel identifies and resolves them automatically.
Works every exception overnight
Every exception reviewed, every decision made, every communication drafted — before anyone arrives in the morning. Your team executes, they don't research.
Plain-language step-by-step directions
Action cards in plain English — not legal analysis, not technical output. Exactly what your FTE needs to do, in what order, with draft communications already written.
Documentation that holds up
Examination-ready audit notations generated automatically for every account. Holds up with your CCO and with the regulators — from the moment it's generated.
Platform-agnostic return file
End-of-day return file sent back to LCT or Allied keeps platform records current and audit-complete. Go-it-alone lenders receive the same structured return data.
Dealer fraud detection
Tracks every dealer incident across the portfolio. A single oversight gets documented. A pattern gets escalated. Fraud risk scores surface before your next examination does.
See It In Action

What your team sees
every morning at 8am.

Every exception worked overnight. Every action item drafted. Every escalation flagged. Your FTE arrives to a pre-processed queue — they execute, they don't research.

* All accounts, names, loan numbers, dealers, and administrators shown are fictional and created for illustrative purposes only. They do not represent actual customers, contracts, or transactions.
ClearCancel — Morning Dashboard · First National Auto Finance · Dec 2, 2024
Exception queue · 47 accounts processed overnight · 8 require action
39 cleared
6 investigate
2 escalate
Every exception is pre-processed before your team arrives. Escalations are flagged. Cleared accounts are ready to apply. Your FTE opens this queue at 8am and executes — they don't research.
FTE Action Card · LN-2024-15501 · Kevin Tran · Nevada
INVESTIGATE — Contract rejected · VIN mismatch
Single-digit VIN discrepancy · data entry error · not fraud · administrative correction required
⚠ Nevada statutory deadline: Dec 20, 2024 — 18 days remaining
1
Call Western States GAP — request VIN correction
Action required now
Who: Western States GAP — Cancellations Department
Say: "I am calling about a rejected GAP contract — account LN-2024-15501, consumer Kevin Tran, 2023 Honda Civic. The correct VIN per our RIC is 1HGBH41JXMN109187. Your form shows 1HGBH41JXMN109186 — single digit error. Can you correct this and reprocess the cancellation?"
2
Confirm corrected refund amount
Awaiting step 1
3
Dealer remittance instruction auto-generated on confirmation
Awaiting refund amount from Allied system
4
Email BEA inbox — confirm resolution
Complete prior steps first
Plain-language step-by-step directions built on over a decade of compliance expertise. Your FTE knows exactly what to do, what to say, and in what order. No guesswork. No research. Documentation is generated automatically at each step.
Dealer Follow Up Report · First National Auto Finance · Dec 1, 2024
4
Dealers with outstanding refunds
$1,847.50
Total outstanding
3
Accounts over 30 days
1
Accounts over 60 days
Riverside Ford
Colorado · 1 account · all confirmed
17 days
$412.00
Send to dealer ↗
Lone Star Auto Group
Texas · 1 account · all confirmed
22 days
$223.00
Send to dealer ↗
Midwest Auto Group
Iowa · 1 account · hold items pending
34 days
—
Hold — BEA guidance pending
Hollis Motors Inc.
Indiana · 1 account · all confirmed
13 days
$341.00
Send to dealer ↗
Remittance runs 1st and 15th · Letters sent to dealer accounting department · Audit proof language included
Dealer Follow Up is an optional tool designed for lenders without an active collection process for dealer refunds. Dealer Follow Up runs twice monthly, automatically generating outreach letters for every outstanding dealer balance — bundled by dealership, sent to the accounting department, with aging information, fund application instructions, and audit proof language built in. A simple automated way to initiate and track dealer collection activity without adding FTE.
BEA Inbox · Escalations & Questions · Dec 2, 2024 · 5:47am
ESCALATION
⚠ CONTRACT REJECTED · LN-2024-16788 · Brenda Castillo · Georgia
Meridian Product Administrators has no contract on file · Peach State Motors · possible non-remittance · full $495 refund required if confirmed · BEA guidance needed before FTE proceeds
5:14am
QUESTION
Iowa pro-rata question · LN-2024-11203 · Marcus Webb
Meridian Product Administrators used Rule of 78s · Iowa statute requires pro-rata · $126 variance · recommend requiring corrected refund — confirm before FTE contacts administrator
4:38am
QUESTION
Dealer remittance preference · LN-2024-15501 · Kevin Tran
VIN correction initiated — call or written request to Western States GAP? Recommend call for speed given PIF status and Nevada deadline Dec 20
3:52am
3 items require BEA guidance · Reply to update FTE action cards automatically · All other accounts processed and cleared
When the agent encounters something that requires expert judgment, it routes directly to the BEA inbox — BEA reviews it first thing in the morning and replies. The FTE action card updates automatically. Nothing is guessed. Nothing is missed.
Works with every platform — or none
LCT
Refund Control™
+
Allied Solutions
Refund Plus
+
F&I Sentinel
Independent platform
+
Go-it-alone
Your own process
=
ClearCancel
Pricing

A fraction of what you're
already spending.

ClearCancel does the hard work that has always required your most experienced compliance staff — at a fraction of the cost and without the FTE burden. Expertly trained AI agents, built on over a decade of domain knowledge, working every exception overnight so your team executes rather than researches. Well worth the investment.

ClearGAP — Exception Processing
GAP cancellation compliance
$4
per exception
Full exception review, variance analysis, and audit trail for GAP and DCC products. Works alongside any platform. Volume pricing and monthly minimums available.
✓ Exception review and variance analysis
✓ Plain-language FTE action cards
✓ Dealer communication and collection
✓ Audit-ready documentation
✓ Dealer fraud trend reporting
✓ Return file to LCT / Allied
○ Dealer follow up (optional add-on)
ClearProduct — Exception Processing
Full aftermarket suite
$5
per exception
Everything in ClearGAP plus the full F&I aftermarket portfolio — VSC, CLAH, tire and wheel, PDR, and more.
✓ Everything in ClearGAP
✓ Vehicle service contracts (VSC)
✓ Credit life and A&H (CLAH)
✓ Tire and wheel protection
✓ Paintless dent repair and appearance
✓ Any financed aftermarket product
○ Dealer follow up (optional add-on)
Also available
Monthly Retainer
Clients may also choose a monthly consulting subscription — which includes a reduced per-transaction fee — giving you direct, ongoing access to BEA's team of experts, bringing a combined 40+ years of hands-on experience across indirect auto finance, aftermarket products, accounting, and audit. Deep domain knowledge, available to you directly. No other compliance platform in this space offers that.
Compliance strategy
Work directly with BEA's team on portfolio risk, regulatory exposure, examination preparation, and long-term aftermarket compliance strategy
Team training
Hands-on training from practitioners who have done this work for decades — exception review, dealer communication, and how to deploy ClearCancel findings to maximum compliance effect
Procedure writing
Examination-ready written policies and procedures for aftermarket product cancellation — built on decades of direct industry experience and a deep accounting and audit background

Ready to see ClearCancel in action?

See the exception review pipeline, morning dashboard, and dealer remittance workflow running on real sample data — in fifteen minutes.

Blue Elk Advisors LLC  ·  San Clemente, CA  ·   ·  (949) 328-4711