Buy-Here-Pay-Here (BHPH) and independent dealerships are facing a wave of new state-level legislation that directly impacts how they operate, especially when it comes to GPS tracking technology, customer privacy, and protecting abuse victims. Staying informed and involved in advocacy is no longer optional — it’s critical.

We’ll cover some of the major topics that evolved during recent legislative sessions. 

Florida’s GPS Legislation (SB 1444 & HB 1371)
Florida recently passed laws regulating the use of remote vehicle disabling technology. These bills aim to prevent abuse, while still allowing for legitimate uses in the BHPH and auto finance space. Thanks to coordinated advocacy efforts by PassTime, FIADA, and NIADA, the final language of the law includes exemptions that allow dealers to continue using GPS and payment assurance devices when used responsibly and with proper disclosure.

Louisiana’s HB 74: Protecting Victims of Abuse
In Louisiana, HB 74 gives survivors of domestic abuse or stalking the right to request the disabling of tracking technology on their vehicles. The law requires that dealerships and tech providers respond quickly and responsibly to these requests. It’s a step forward in victim protection and a signal that dealers must ensure their GPS systems are adaptable and compliant with new protections.

Data Privacy on the Rise
Beyond individual states, data privacy is becoming a major national concern. States like California have led the way with laws that require clear disclosure and consent when collecting or using personal data — including location tracking. Similar laws are popping up across the country. For BHPH dealers, this means contracts and customer agreements must be transparent, data must be handled securely and opt-out rights need to be respected.  PassTime is continuing to monitor and advocate for responsible data security options. 

What This Means for Dealers
These legislative trends aren’t going away, and in fact, they’re picking up speed. Dealers should take the following steps now:

• Review and update contracts to reflect current and upcoming privacy and tracking laws.
• Ensure GPS tools are used ethically, with clear consent and the ability to disable them when legally required.  Work with your GPS partner to track legislation and ensure they are advising you of changes in state laws. 
• Engage with your state dealer association to stay ahead of proposed legislation.
• Support national advocacy efforts through NIADA to help shape fair laws that protect both consumers and dealers.

The legislative landscape may be shifting, but with the right tools, knowledge, and advocacy, BHPH dealers can protect their businesses. Partnering with the right vendors and service providers is more essential than ever.