Courses
Safety Training
HR Compliance
Training
Soft Skills
Training
OSHA Requirements
Training
Search By Industry
Training Shorts
Course Packages
About Us
Resources
Contact Us
Home >   Course Catalog >   Workplace Ethics: Understanding UDAAP  

Watch Course Preview

Workplace Ethics: Understanding UDAAP Training Course

Watch Course Preview

Master UDAAP standards to ensure fair, transparent, and ethical customer interactions in every vehicle transaction.

8 minutes   |   SKU: AT238    |    Language(s): EN / ES / FR    |    Produced 2026

SKU:

AT238

Language(s):

EN / ES / FR

Updated:

2026

Length

8 minutes

Training Objectives

  • Apply UDAAP standards to everyday sales and service interactions
  • Distinguish between unfair, deceptive, and abusive acts or practices
  • Identify and mitigate risks related to high-pressure sales and fatigue
  • Communicate financing terms and product fees with complete transparency
  • Practice ethical decision-making to build long-term customer trust
  • Recognize when to pause interactions and escalate compliance concerns

Course Overview

In the fast-paced world of vehicle sales and financing, the decisions you make every day shape the financial well-being of your customers. Whether you are explaining a monthly payment, detailing the coverage of an extended service contract, or handling a sensitive customer inquiry, you are the face of the organization’s integrity. This course is designed to move beyond "ticking a box" and instead focuses on ethical intelligence. We explore the critical framework of UDAAP—Unfair, Deceptive, or Abusive Acts or Practices—as defined under Section 5 of the Federal Trade Commission (FTC) Act and Sections 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Throughout this training, you will learn that UDAAP is not just about avoiding legal trouble; it’s about ensuring that real customers experience products and services fairly. We break down the three pillars: Unfairness, where practices cause unavoidable harm; Deception, where misleading impressions are created through omitted details; and Abusiveness, where a customer’s lack of understanding or trust is exploited. You will analyze real-world scenarios, such as the "rush to close" at the end of a shift, where time pressure and fatigue can lead to costly misunderstandings for the consumer.

We will provide you with practical tools to audit your own communication. Instead of relying on fine print, you will learn to use the "Power Zone" of transparency: explaining costs, limitations, and conditions clearly and completely. By the end of this session, you will be able to recognize hidden hazards in routine moments—like onboarding, servicing, and issue resolution—and know exactly how to escalate concerns to your supervisor or compliance department. This training is essential for anyone in sales, finance (F&I), or customer support who handles consumer financial products and wants to ensure they are doing the right thing for the customer, the organization, and themselves. 

This program is available with Spanish and French closed captions.

Super Flexible Formatting

You’ll never find yourself scratching your head, trying to figure out why
you can’t get our videos to play or courses loaded into any platform.

Access courses
in our EHS Software.

View this course in a classroom
environment, or assign it to your
team individually with testing
and recordkeeping capabilities.

Load courses
into your platform.

Each title includes an embed
feature that allows users to add
videos to their existing training
platform or LMS.

Access courses
in our LMS.

View this course in a classroom
environment, or assign it to your
team individually with testing
and recordkeeping capabilities.

Not Ready to Sign Up?
No Worries. Here’s Some Helpful Info.

What are the three main components of UDAAP?


UDAAP stands for Unfair, Deceptive, or Abusive Acts or Practices. Each term has a specific legal standard used by regulators like the CFPB to protect consumers from financial harm.


Can a practice be "deceptive" even if all the statements made were technically true?


Yes. Deception can occur through the omission of material information or by creating a misleading "overall impression," even if no individual statement is false.


How does an "unfair" practice differ from a "deceptive" one?


A practice is unfair if it causes substantial injury that a consumer cannot reasonably avoid, and the harm isn't outweighed by benefits. Deception specifically focuses on misleading the consumer.


What is an example of an "abusive" practice in auto financing?


An example is telling a customer that an optional product, like a GAP waiver, is mandatory for loan approval to take advantage of the customer's lack of understanding.


What should I do if a sales process or script feels like it might confuse customers?


You should pause the interaction and seek guidance from your supervisor or Compliance department; early escalation helps resolve issues before they become major risks.


Disclaimer: The information provided on this page is subject to change and is for promotional and informational purposes only. Prior to acting on the information contained on this page, verify all information against the latest OSHA and applicable standards, regulations, and guidelines. Please also contact us with any questions you have related to this information. Under no circumstances will Atlantic Training, LLC be held responsible for direct, indirect, consequential, or incidental injuries or damages, or any damages or injuries whatsoever, whether resulting from contract, negligence, or other torts, related to the utilization of this information or the contents of this page. Atlantic Training retains the right to incorporate, remove, or adjust the contents on this page without prior notice.

Frequently Taken With...

Build your plan or make it simple and gain access to the entire Atlantic Training Bundle.