Stop Identity Fraud Before It Reaches Your F&I Office

The Industry Problem

Identity fraud continues to accelerate. 2024 fraud losses reached ~$9.2B (+16.5% YoY), with 27% tied to synthetic identity/credit washing and 18% to true-name identity theft.
Lenders hold dealers financially responsible for verifying buyer identity during loan origination — but most dealers lack both an enforceable verification process and documented proof. This gap is one of the biggest drivers of indefensible deals and buyback exposure.

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Why Is It a Challenge?

Inside the dealership, fraud-prevention steps are fragmented, manual, and inconsistent.

Red Flags steps break down in practice
Red Flags run automatically, but they don`t always clear automatically, and manual clearing is required: generate and pass an IDV quiz, print documentation, and file proof. These steps are frequently skipped — which means no defensible record.
License verification is staff-dependent and not tracked
Most license checks happen in stand-alone tools outside the sales workflow. Because they're not enforced, approximately 20% of deals have no proof the license check was ever completed.
"License Verification" often isn't what dealers think
The market is full of products labeled "license verification," but they vary widely in accuracy, scope, and method. Image-based tools scan the front and back of a license and check if the data matches. Counterfeiters can create IDs that pass this test.
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The Solution Dealers Need
A single, enforced, multi-layer identity verification process built directly into the customer flow — not optional, not staff-dependent, not outside the system. Automatically documented using the best available technology.
TDC is the only platform that provides all identity-fraud steps in one enforced workflow.
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  • DMV-Based License Verification
  • Enforced IDV Quizzes
  • Liveness Detection (Selfie)
  • Authenticated Mobile Number
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  • Uses tech that authenticates IDs using hidden DMV security keys embedded in license barcodes — keys that cannot be replicated by counterfeiters
  • Catches sophisticated fakes that pass visual inspection and image-based scanning
  • Detects fake IDs, altered licenses, and counterfeits that look visually legitimate
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  • Automatically triggered when required
  • Cannot be bypassed
  • Stored as verifiable proof
Biometric requirements icon
  • Confirms a real person is present during ID verification
  • Prevents fraud involving stolen or borrowed IDs
  • Stops photo substitution, deepfakes, and impersonation attempts
Phone number verified number on the dashboard
  • Confirms the customer controls the phone number entered
  • Prevents the use of fake or unreachable numbers
  • Establishes a valid, trusted device for the identity flow
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How TDC Handles Verification Failures

When any verification step fails, the system blocks forward progress. The deal cannot proceed until the issue is resolved.

Only authorized dealer staff can override a failed verification — and when they do, the system documents the override along with who authorized it and when.

This creates a clear decision trail: Either the customer passed all verification steps, or a mana ger made an informed decision to proceed despite a failure. Both scenarios are defensible. Neither is invisible.

Before TDC
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Tools scattered across systems
All identity checks unified in one flow
Steps depend on staff memory
Nothing can be skipped or bypassed
25–30% of deals missing verification proof
100% of deals have stored proof
Image-based license tools with limited protection
DMV-based authentication with hidden security keys
Red Flags clearing is not consistent
Enforced quizzes where required
No clear audit trail
Failed verifications require manager override
High exposure to indefensible deals
Consistent, defensible documentation for lenders
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The Outcome

TDC replaces inconsistent, staff-dependent identity checks with an enforced, multi-layer verification system that runs on every deal — without slowing down the sales process.

Identity verification stops being a checkbox and becomes a consistent, documented defense against synthetic identities, true-name theft, and fake IDs. Every step is captured and stored, giving lenders confidence in your dealership's process and the deals you submit.

The Result

Reduced buyback exposure, defensible documentation on every deal, and elimination of manual verification tasks that break down under pressure.

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