Most consumers will tell you that dealing with the Finance & Insurance manager is one of the least pleasant parts about buying a new car or truck.
That's because sitting down with the F&I manager is when they hammer out the financing terms and often feel pressured to buy extended warranties or other products.
The F&I department is a big-time profit center for dealers and has become the focus of government and media investigations into charges of consumer fraud at some dealerships.
Now new-car dealers in Virginia may support a proposal that would require their F&I managers to be licensed by the state.
Many consumers would welcome that kind of regulation despite the increase state bureaucracy.
But critics will say it's just a way for dealers to duck responsibility for what's happening in their own dealerships.