Discover why Experian’s unified fraud prevention platform, backed by decades of data stewardship and AI innovation, is the trusted choice for enterprises seeking scalable, compliant, and transparent identity verification solutions.

In today’s showrooms, fraud doesn’t walk in wearing an obvious disguise. It looks like a “perfect” deal: Clean driver’s license Solid story Willing to sign anything … and then the payments never show up. Your team is stuck in the middle: protect the store from fraud and keep the buying experience fast and friendly. That’s exactly what Fraud Protect™ is built to do—a web-based Experian solution that helps automotive dealers quickly verify customer identities and detect fraud risk right from their CRM, on the customer’s own phone. How Fraud Protect makes identity verification quick and easy Fraud Protect is designed to slide into the process you already use, not blow it up. Here’s the actual flow. 1. Launch from your CRM The dealer starts everything from the CRM: Your team sends the customer a secure link directly from your CRM via SMS or email. The customer opens that link on their own mobile device and completes the flow on their phone. No special hardware. No juggling devices at the desk. 2. License authentication Next, the customer authenticates their driver’s license: They scan their license using their phone camera. The image is securely captured and processed in the background to ensure the license complies with standards. This kicks off document checks and helps anchor the identity to a real-world credential, without unsecured paper or digital copies, creating additional dealership risk! 3. Selfie capture for biometric match Then Fraud Protect confirms the person matches the document: The customer takes a selfie on their phone. Fraud Protect performs a biometric match between the selfie and the license image. If someone is trying to use a stolen or borrowed ID, this is where things start to fall apart for them. 4. One-time passcode (OTP) verification Fraud Protect also validates digital contact points if a heightened risk of third-party fraud is determined : A one-time passcode is sent to confirm the customer’s mobile phone number. The customer enters that OTP, proving they control those channels. Now you’ve tied a face, an ID, and real contact points together. 5. Identity verification & results into the CRM Behind the scenes, Fraud Protect: Runs the collected data through Experian’s fraud and identity analytics, including historical identity information and credit usage patterns. Identifies potential risks tied to that identity. Sends clear, easy-to-read results back into the dealer’s CRM—icons, scores and flags your team can actually act on. Dealerships never leave their system of record; they just see a clean signal on whether to proceed, step up, or take a harder look. What’s powering all this under the hood Fraud Protect sits on Experian’s proven fraud and identity stack: Precise ID® – Experian’s identity risk and fraud platform, using machine learning to detect first-party, third-party and synthetic identity fraud. Datos Insights named Experian’s First Party Fraud Scores a Silver Medalist for Best First-Party Fraud Innovation in its 2025 Impact Awards CrossCore® – Experian’s fraud and identity orchestration platform, recognized by KuppingerCole as an Overall, Product, Innovation and Market Leader in Fraud Reduction Intelligence Platforms. These aren’t just our claims. The superiority of Experian’s fraud prevention capabilities has been recognized by reputable industry experts, such as Datos Insights, Juniper Research, KuppingerCole, and others—proof that the analytics you rely on have been tested and validated outside of your four walls. What this actually means for dealers Boil it down, Fraud Protect gives you: Streamlined identity proofing : Customers complete license scan, selfie and OTP verification on their own phone via a secure link from your CRM—no clunky hardware, no awkward workflows. And it works well in-person or remote. Stronger fraud detection up front: Identity, device and contact points are tied together and evaluated using Experian’s fraud analytics, helping you spot high-risk identities before the deal advances. Simple, actionable results for your team: Instead of raw data, users see clear scores, icons and flags in the CRM, so they know when to green-light, step up verification or escalate friction. Documented protection: Creates a consistent, documented identity verification trail that helps show lenders you’ve met your obligations to appropriately verify customers—supporting a stronger fraud mitigation posture and helping reduce fraud-related charge-offs and disputes. You get more confidence in the deals you say “yes” to, and a better footing when questions come up later. When to put Fraud Protect on the table Fraud Protect is worth a serious look if you’re seeing: More ID-related issues or suspicious stories at the desk Growth in remote, digital or hybrid deals where you can’t rely on in-person cues Pressure from lenders or OEMs to tighten identity verification and fraud controls Increasing lender chargebacks or funding challenges tied to suspected fraud or identity concerns Lack of clear criteria for determining which deals to scrutinize more closely and which to fast-track Internal concern about first-party or synthetic fraud sneaking through as “good” deals In those scenarios, Fraud Protect gives you a way to upgrade your identity verification to something lenders recognize and customers are already used to from other digital experiences. Explore Fraud Protect: https://www.experian.com/automotive/fraud

Many across the industry have been waiting to learn how EV activity has changed now that the EV tax credit has been eliminated. According to Experian’s State of the Automotive Finance Market Report: Q3 2025, the EV market saw a sharp uptick in transactions as many locked in these benefits before they disappeared, though it remains to be seen what the market will look like in the fourth quarter. With the EV market expanding and more models entering the lineup, shoppers also benefited from various options across a wider range of price points within their budget. Even so, many opted to lease a new EV rather than purchase it. More than 56% of consumers leased an EV in Q3 2025, up from 46.43% last year. The gap between the number of EV leases and purchases reflects several underlying factors, one of them being this option likely offered lower upfront costs and monthly payments. For instance, the average monthly payment for a lease was $172 lower than a loan for an EV in Q3 2025. Where EV performance stands in the broader market When looking at the data from a larger perspective, EVs made up 25.31% of the total new lease market, compared to 17.69% a year ago. The alternative fuel type also comprised four of the top ten leased models, with Tesla Model Y (4.35%) and Tesla Model 3 (2.58%) as the top two. They were followed by the Honda Prologue (1.78%) as the fifth most leased model and the Hyundai IONIQ 5 (1.49%) as the ninth. EVs making up nearly half of the top ten leased models in the overall market underscores how quickly consumer preferences can shift and how incentives play a role in purchasing behavior. Consumers’ comfort with EV technology continuing to grow paired with the steady expansion of compelling models across segments also highlights the momentum that is being brought to the overall automotive industry. As the market continues to move forward, the interplay of expiring incentives, more model availability, and a strong desire for leasing shows how EVs have steadily become a more prominent consideration. Leveraging these insights will help automotive professionals best position themselves to support consumers navigating an increasingly dynamic landscape. To learn more about EVs and other automotive finance trends, view the full State of the Automotive Finance Market Report: Q3 2025 presentation on demand.