The VPA Voice - VPA Newsletter

The VPA Voice
"Giving a Voice to Industry Members"
March 29, 2013

Director's Corner

We just shoveled out from under 12.4 inches of snow in St. Louis and are looking forward to warmer temperatures, sunshine and blue skies! Similarly, the VPA is striving to help our members work through some of the many issues that continue to surface in the industry.

In this issue of The Voice, you will find updates on many of our ongoing efforts as well as important new information, including an amendment to the Standards of Conduct. The VPA's mission is to Promote and Protect our members, and that continues to be our driving force.

The VPA is here to help give you a voice in industry matters. Please do not hesitate to ask for assistance or offer feedback on matters of concern. The Association's continued success comes from working together as a team to take it to the next level.


Chris Carenza
Executive Director, VPA


Standards of Conduct Update

Originally initiated by feedback from the Certified Marketers Council, the VPA Board of Directors was able to reevaluate and reexamine the Standards of Conduct relating to the Verification Script. As a result of this review, the VPA has taken action to modify it and make appropriate changes. PLEASE NOTE that the following disclosures are still required to be made to the consumer at some point before the consumer has consented to purchase and charge, as they are material terms of the offer. However, the following disclosures are no longer required in the Confirmation Script/Appendix A:

(1)  The administrator must preapprove all claims;
(2)  If the contract has a deductible and if so, the amount;
(3)  That the contract is always transferable and if there is a limit of liability, and if so,
       the amount; and
(4)  Total cost of the contract.

If you have any questions or would like a copy of the amended SOC, please contact Chris Carenza at or visit the website.


FTC Robocalling Alert

The Federal Trade Commission (FTC) is cracking down on robocalling as more and more businesses are implementing autodialing technology that is capable of sending out thousands of phone calls every minute. Businesses are using these low-cost telemarketing services to illegally contact people to offer fraudulent auto warranty/service contract protection plans. Keep in mind that some law enforcement regulatory agencies consider "ringing the phone" a violation, regardless of the substance of the sales call. The VPA Standards of Conduct strictly prohibits illegal outbound telemarketing and requires marketers to follow all state and federal laws. For more information on the FTC's law enforcement efforts, visit their website.


Marketer Certification and Recertification
To Promote and Protect!

Over the past few months, the VPA has been working on updating the certification and recertification program as a means to promote and protect our members in the industry. One of our goals for this year is to increase the number of members in the Certified Marketers Council (CMC). The VPA is excited to announce that Key Vehicle Resources has successfully completed the Vehicle Protection Association's Certification-Audit Program and is our latest certified call center. Congratulations!

If you are interested in certification or recertification, it is necessary to submit your application (which can be found on our website) to the VPA to get that process started.

If you would like more information on certification and recertification or would like to discuss auditor preferences, please contact Chris Carenza at


Florida Telemarketing

Am I exempt from Florida Telemarketing Law?

We received a lot of questions last month about whether Florida's telemarketing law covers the sellers of vehicle service contracts. We contacted the Florida Division of Consumer Services for the answer. They indicated:

A business is exempt from the licensing requirements of the Florida Telemarketing Act, pursuant to the exemption in Fla. Stat. 501.604(8), if it meets the following two requirements: (1) the business has an automobile warranty license issued by the Florida Department of Financial Services (DFS); and (2) the only products/services solicited by the business are covered by its DFS license (e.g. vehicle service contracts).

Please contact Helen Mac Murray at if you have any additional questions about this law or any other VSC related legal questions.


Call Monitoring Program

The VPA is in the final stages of transitioning the call monitoring program from the VPA's legal counsel, Helen Mac Murray of MPS Lawyers, to BPA Quality, an independent third party with more than two decades of experience in the industry. BPA is already providing us with very helpful analytical information on issues everyone faces in this area. If you have any questions, please do not hesitate to contact Chris at


Annual Meeting Announcement

Viva Las Vegas!

The Annual Meeting in Las Vegas will be here before you know it, so mark your calendars for September 15 and 16. This event is the premier gathering of organizations involved in the vehicle service contract industry. Stay tuned for more information.


VPA's Mailing Address

Please make sure you have the correct mailing address for the VPA. We are still receiving mail forwarded from the old address in Delaware, sometimes 3-4 weeks after it was originally sent. Please inform everyone in your organization to send all VPA correspondence to this address: VPA, 408 N. Euclid Suite 3SW, ST. LOUIS, MO 63108.