Give decision-makers a reviewed Buy-Here-Pay-Here Deal Compliance Completeness brief they can act on.

RISCClear organizes the records, checks, exceptions, and qualified-human review required for Buy-Here-Pay-Here Deal Compliance Completeness. Start with a bounded diagnostic; no result or licensed judgment is automated or guaranteed.

riscclearbuyherepaydealbhph

Who this is for

A precise operating owner, not a generic audience.

Responsible buyer

Target buyer ICP: Independent used-car dealers operating 1–5 lots who originate and hold their own in-house retail installment contracts (true BHPH / "in-house financing"), typically 15–150 vehicle deals per month, with no dedicated compliance officer and no in-house counsel.

Cost of the gap

Painful problem A BHPH dealer who holds its own paper is, in practice, a small unlicensed-feeling finance company operating under some of the same rules as a bank — without a bank's compliance department.

Outcome

The outcome we sell Specialist-released Deal Completeness Pack per contract (field-by-field RISC verification, required-disclosure checklist by state, MLA/OFAC screening confirmation, Red Flags identity-theft checklist, adverse-action notice draft when applicable, PASS/GAP/HOLD status) plus an optional Compliance Desk retainer (state-law-change monitoring, license renewal tracking, quarterly self-audit binder, new-hire F&I onboarding checklist).

Decision rule

Proceed only when the source record, service boundary, responsible reviewer, and release criteria can be named before work begins.

Method

The work moves through visible states.

ScopeService delivery workflow Scoped intake call; dealer confirms states of operation and product features (GPS, add-ons, co-signers typical).
CollectDealer texts or uploads photos/scans of deal jacket per contract, or a batch for the initial Gap Scan.
NormalizeAI extraction + rule-engine scoring against the current federal + state rule library.
ValidateException chase list generated for missing or ambiguous items.
ResolveSpecialist RELEASE with PASS / GAP / HOLD and specific corrective guidance.
ReviewDealer corrects the deal jacket or acknowledges residual GAP with a documented reason.
ReleasePack and audit-trail entry filed to the dealer's running self-audit binder.

Engagement

Buy the reviewed outcome, with boundaries written down.

Pricing evidence and proposed pricing Offer Price Unit Notes Deal Jacket Red-Flag Gap Scan (lead magnet upsell) $0 for 1 deal / $199 for 5 deals Sample batch Free single-deal teaser; paid batch scan for real signal Deal Completeness Pack $65–$140 Per deal Higher if MLA-flagged, co-signer, or trade-in disputes present Compliance Desk retainer $900–$3,500/mo Portfolio, scaled by monthly deal volume State-law-change monitoring, license renewal tracking, quarterly self-audit binder License Renewal Management $250–$600 Per license per renewal cycle Sales-finance / motor-vehicle-dealer license renewals Exam/Inquiry Readiness Binder $1,500–$4,000 One-time Built ahead of or in response to a state ex

Release package

The outcome we sell Specialist-released Deal Completeness Pack per contract (field-by-field RISC verification, required-disclosure checklist by state, MLA/OFAC screening confirmation, Red Flags identity-theft checklist, adverse-action notice draft when applicable, PASS/GAP/HOLD status) plus an optional Compliance Desk retainer (state-law-change monitoring, license renewal tracking, quarterly self-audit binder, new-hire F&I onboarding checklist).
The dealer remains the creditor of record and makes every lending decision; RISCClear never originates, services, or advises on a loan, and never claims to guarantee immunity from enforcement.
An exception queue with owner, next action, due state, and resolution evidence.
A human-released operating pack with version history and a correction channel.

Proof standard

Operating evidence: No verified cycle-time result is published yet. The first result will be calculated from accepted intake through qualified-human release.

Client evidence: No client identity or case narrative is published. A reference may appear only after written permission and factual review.

Volume evidence: No completed-client count is claimed. Counts will be published only after the delivery ledger and provider records reconcile.

Evidence room

Authority comes from traceable sources, not decorative claims.

Open the full canonical blueprint dossier

CoPilot — used-car dealership counts by stateSource identified in the canonical blueprint; verify currency before client reliance.
NIADA — UCIR 2025 independent salesSource identified in the canonical blueprint; verify currency before client reliance.
Lexology — CFPB order vs. BHPH dealer and affiliateSource identified in the canonical blueprint; verify currency before client reliance.
CFPB newsroom archiveSource identified in the canonical blueprint; verify currency before client reliance.
CFPB newsroomSource identified in the canonical blueprint; verify currency before client reliance.
FTC press release, March 2026Source identified in the canonical blueprint; verify currency before client reliance.
Holland & Knight — Fifth Circuit CARS Rule rulingSource identified in the canonical blueprint; verify currency before client reliance.
Federal Register — CARS Rule withdrawalSource identified in the canonical blueprint; verify currency before client reliance.

Service boundary

Automation prepares. A qualified human releases.

RISCClear is an operational documentation and processing service operated by Your Deputy, Obuke LLC. It is not a law firm and does not provide legal, tax, medical, financial, or other licensed professional advice. Consumer and personal debt matters are not accepted. The client retains its licensed professionals and decision authority. Automation may organize and check records, but a qualified human must review and release every client deliverable.

Unsupported facts remain unresolved, never inferred into a client deliverable.
Jurisdiction-specific or licensed questions are routed to the client's professional.
Every correction retains the source, reviewer, version, and reason for change.

Questions

Know the limits before intake.

Is this legal or professional advice?

No. This is bounded operational documentation and processing support. Licensed judgment remains with the client and its professionals.

Does automation make the final decision?

No. It can organize records, run declared checks, and prepare an exception queue. A qualified human reviews and releases every deliverable.

Is a client portal or CRM already active?

This public site does not claim an active portal integration. Portal access is provisioned only after the relevant backend is configured and independently verified.

What happens when evidence conflicts?

The item is placed in an exception state with its sources and owner. It is not silently resolved or presented as verified.

Fit diagnostic

Send enough context to scope the next conversation—no sensitive files.

Do not submit protected health information, personal financial data, credentials, or confidential client records through this public page.