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Vehicle Protection Plans

VPA Standards of Conduct: Compliance with Federal and State Laws

Section 2.1 of the VPA Standards of Conduct requires that "Members shall operate in accordance with laws and regulations of the Federal Trade Commission, the Federal Communications Commission, the Federal Reserve Board, the United States Postal Service and all other applicable federal, state, and local regulations and laws."

Additional standards that relate to complying with federal laws and state laws include the following:

  • 2.1.1. Due Diligence. Members shall conduct due diligence to ensure that companies with whom they do business are also complying with the law. Merely relying on a contract provision requiring the parties to comply with all applicable laws, when the member has reason to believe that a business party is not operating consistent with legal requirements, is not sufficient to meet this standard.
  • 2.1.2. Licensing. Members shall meet all state licensing and marketing requirements applicable to the industry.

Compliance with Federal and State Laws is one of the Basic Standards for the vehicle service contracts industry. The Basic Standards do not constitute the full set of standards developed for our industry. Other standards addressed include but are not limited to Advertising, Offers, Outbound Telemarketing, Refund Policies and Procedures, Security of Customer Information, Privacy Policy and Data Collection Practices, and the Consumer Complaint Process.

A full version of the VPA Standards of Conduct is available here.

Return to Standards of Conduct: The Basics

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