2026 Pub. 16 Issue 3

Executive Director’s Message: Our Fight Continues	6
Avoid Vehicle Title Processing Backlog Pitfalls	7
Choosing Words That Lead	9
Counselor’s Corner: The Car Dealership Is a Regulated Institution That Happens to Sell Cars	12
Your DMS Doesn’t Get to Choose Your Payment Partner. You Do.	14
Beyond Passwords: Why Smart Lenders Are Asking Questions Your Fraudster Can’t Google	16

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