Rapidly-Changing Landscape in Regulatory & Rules Drives Lending Compliance Leader to Invest in Expanded Legal Resources

South Bend, IN (February 7, 2017): Carleton, Inc., a leading provider of compliant loan calculation and digital document software solutions, today announced the second of a series of initiatives to help promote compliance success for its clients.

With forecasted Federal Governance changes in 2017, the CFPB’s operational evolution, and the uncertainty surrounding the future of current Dodd-Frank and other regulatory legislation, Carleton is well-positioned to bolster its market leadership in this field.

The comprehensive solution suite of CarletonCalcs®, CarletonDocs®, CarletonAudit®, and CarletonAccess® helps lenders mitigate legal and regulatory risk compliance of consumer loan calculations. These technologies include federal and state-specific loan/lease calculations, digital document generation, electronic-audit reporting, and other compliance tools to support various lending compliance mandates.

Carleton’s software solutions are supported by its highly regarded compliance research department, which is relied on by many of the major lenders nationwide.  Carleton expands its compliance support with the addition of an expert with proven legal experience.

Attorney Sarah Way has joined the Carleton team, bringing with her valuable legal background and expertise, which includes business law, contract development and documentation, intellectual property regulations, property insurance law, and other litigation disciplines.

Sarah graduated with honors from Loyola University School of Law in 2013.  Sarah graduated with a Bachelor of Arts in Political Science from the University of Notre Dame in 2009.

“I came to know of Carleton through its reputation in the local South Bend community,” Sarah commented. “But it quickly became clear that Carleton is a compliance leader in the area of consumer finance. I’m thrilled to be joining Carleton as they continue to grow and thrive in the industry.”

“Sarah will add tremendous legal expertise to our compliance research department,” stated Pat Ruszkowski, President and CEO of Carleton. “The addition of Sarah Way demonstrates Carleton’s long-term commitment to provide lenders with expert solutions and support that will meet the ever-changing compliance landscape.  We intend to enhance our compliance leadership position in 2017, so that we can continue to help drive the success of our customers and earn their satisfaction and trust.”

About Carleton Inc.

Carleton is the leading provider of compliant lending and leasing calculation software and dynamic document generation software serving the banking, credit union, and auto lending industry. Founded on compliance expertise at a federal and state level in 1969, the company’s client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Partnership offers Compliant Loan Calculations, Dynamic Generation of Loan Documents, Rate Monitoring, Secure eVaulting, and Accelerated Speed to Funding

Baltimore, MD and South Bend, IN (September 28, 2016): Carleton, Inc., a leading provider of compliant loan calculation and document generation software solutions, and eOriginal, Inc., the experts in digital transactions, today announced a partnership to deliver a streamlined joint solution for loan origination system (LOS) providers to support the increase in lenders who are adopting digital loan programs.

The technology solution will integrate CarletonCalcs®, CarletonDocs®, and eOriginal’s eAsset® Management Platform to create a robust digital solution that mitigates legal and regulatory risk related to compliant consumer loan calculations, document generation, and electronic audit trails. The strategic partnership will streamline the loan closing process and speed funding cycles through fully digital record transfers and securitizations.

“LOS providers utilizing the Carleton and eOriginal integration will empower lenders to better address regulatory compliance and optimize lenders’ flexibility to move assets onto the secondary market,” commented Stephen Bisbee, president and CEO of eOriginal. “Our platform’s powerful integration with loan origination systems gives lenders the opportunity to ‘start digital and stay digital’ from loan origination all the way through to securitization.”
Supporting all loan types, regardless of asset class, the Carleton and eOriginal joint solution provides:

• Accurate computations for all types of consumer loans and leases, including all credit insurance and debt protection products;
• Dynamic generation of the eSign-ready loan documents based on loan type and products sold;
• Security controls to verify the integrity of digital authoritative copy to mitigate legal and regulatory risk for critical asset-backed documents; and,
• Fully integrated digital audit trail during the entire lifecycle of the asset.

“The demonstrated technical knowledge and regulatory expertise of Carleton and eOriginal provides the lender with the needed support to meet the requirements of the ever-changing and highly regulated lending environment,” stated Pat Ruszkowski, president and CEO of Carleton. “LOS providers can easily and quickly make available to their lenders any of the individual components offered through this digital lending solution.”

Carleton and eOriginal will unveil the joint solution next week during the Auto Finance Summit, Oct. 5 to 7, in Las Vegas.

The Carleton, Inc. and eOriginal Joint Solution:

CarletonCalcs®

A suite of lending calculation software components designed for easy integration into loan origination and servicing systems, compliantly supporting consumer, mortgage, and commercial lending transactions on a nationwide basis. Carleton has partnered with most of the major loan origination, auto DMS, menu selling, and CRM software companies, providing nationwide compliant lending and leasing calculations and support services.

CarletonDocs®

A suite of document generation software components and support services designed for easy integration into lending systems, compliantly supporting the generation of all the documents associated with consumer, mortgage, and commercial transactions. Carleton has partnered with the major loan origination, auto dealer management, menu selling, and CRM software companies, providing nationwide compliant and dynamic document generation software and support services.

eOriginal’s eAsset® Management Platform

The eOriginal solution enables businesses to go beyond simple electronic signature functionality to manage the entire lifecycle of a digital transaction in a fully electronic environment. For needs ranging from secure storage to pledging or collateralizing in the secondary market, we treat each and every transaction within this platform as a financial asset that must be verifiably secure, legally compliant, and enforceable. These post-signature services can be classified into three categories: Vaulting, Transaction, and Transferable Records Services.

 

About Carleton Inc.

Carleton is the leading provider of compliant lending and leasing calculation software and dynamic document generation software serving the banking, credit union, and auto lending industry. Founded on compliance expertise at a federal and state level in 1969, the company’s client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

About eOriginal

Founded in 1996, eOriginal is the trusted expert in digital transaction management solutions, specializing in the post-execution management of financial asset documentation. eOriginal SmartSign® and eAsset® Management Services enable an end-to-end solution for fully electronic transactions that must be managed with the highest levels of security and compliance throughout their lifecycle. By treating every transaction as having assets that must be verifiably secure, legally compliant and enforceable, eOriginal provides its customers and partners with eCertainty®.  For more information, please visit www.eoriginal.com. eOriginal®, eAsset®, eOriginal SmartSign® and eCertainty® are trademarks of eOriginal, Inc. and are registered in the United States or in other jurisdictions.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

As October 3^rd approaches, the Carleton team wants to ensure that our partners are equipped to comply with the new Military Lending Act requirements.

The maximum 36% Military Annual Percentage Rate (MAPR) requirement has been in effect since January 2007, but only applied to payday, vehicle title, and refund anticipation loan products.  Effective October 3, 2016, nearly all loan products provided by lenders extending credit to active military personnel must comply with the maximum 36% MAPR.

“Military Interest” included the finance charge as defined in TIL Reg. Z, as well as the following fees and premiums items:

• Application fees (new requirement)
• Points, origination fees, participation fees – all fees in the TILA Reg. Z finance charge
• Any premium or fee for credit insurance.
• Any debt protection charges/fees (cancellation and suspension)
• Any credit-related ancillary product sold in conjunction with the transaction

The CarletonCalcs® Origination Module has been updated to define which fees will be included or excluded for purposes of calculating the Military Interest and MAPR.  This update to CarletonCalcs® will enable our partners’ lenders to individually define which fees will be treated as Military Interest for each individual loan product.

If you have any questions regarding this release and how Carleton can help you stay compliant with the MAPR requirements, contact your Carleton sales or support representatives at (800)433-0090.

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

 

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

The OriginationPlus module leverages the CarletonCalcs® Origination and Compliance modules together in a single API call to compute transactions that are compliant from internal institutional thresholds as well as federal, state usury requirements.

OriginationPlus allows Carleton’s clients to maximize their profit by computing transactions at or near internal and state maximum allowable rates.  If a specific transaction exceeds the state usury or internal maximum policy interest or finance charges, Carleton’s Origination Plus engine will reduce the interest rate automatically, consistent with an amount set by institutional guidelines, until the transaction passes the compliance validation.

This solution allows Carleton’s partners to streamline the compliant calculation process by utilizing one API call versus computing multiple transactions and validating compliance separately.

For more information on OriginationPlus, please contact your Carleton Representative.

 

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

Suite of Software and Auditing Services for Generating Compliant Loan Calculations and Documents

South Bend, IN (January 29, 2016): Carleton Inc., a leading provider of compliant loan calculation and document generation software solutions, has announced the next generation suite of software, Carleton Lending Solutions, including CarletonCalcs®, CarletonDocs®, CarletonAccess®, and CarletonAudit®.

Carleton Lending Solutions incorporates the latest upgrades to the firm’s LoanSmart Solutions that have been adopted by major lending software providers for over 20 years.  These lending solutions represent Carleton’s commitment to delivering software that meets Consumer Financial Protection Bureau (CFPB) third-party vendor compliance recommendations and consumer privacy and security requirements.

In 1996, Carleton introduced LoanSmart Lending Solutions that included web applications and software modules that easily integrated with loan origination systems to perform compliant loan calculations and the seamless generation of lending documents.  Twenty years later, Carleton’s LoanSmart solutions are used by over 125 lending software providers to meet the compliance requirements of their clients.

“Carleton’s ability to adapt our software and support to the ongoing changes in technology, lending, and compliance has made us the preferred partner of loan origination software providers who recognize the importance of having long-term compliance support for their lenders,” commented Pat Ruszkowski, president and CEO of Carleton. “We renamed our next-generation lending solutions using the Carleton name to reflect our company’s 45+ year compliance leadership in the lending industry.  Our compliance support and active dialogue with the federal and state regulators to assist our clients in this complex and highly regulated lending environment is built into all our lending solutions.” Carleton Lending Solutions’ suite of software supports all types of lending activities, including mortgage, consumer, auto lending and leasing, payday lending, and business lending.

 

About Carleton, Inc.

Carleton is the leading provider of compliant and easy-to-use lending and leasing calculation software and document preparation software serving the lending and auto industry. Founded on compliance expertise at a federal and state level in 1969, the company’s client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Partnership Helps Financial Institutions Automate the Lending Process, Meet TRID Requirements

LINDEN, NJ (August 4, 2015): IMM, a pioneer of integrated eSignature, workflow, and document solutions for the modern business enterprise, and Carleton, a provider of compliant consumer lending calculations and document generation services, have forged a partnership enabling loan documents generated through Carleton’s CarletonDocs® to be eSigned with IMM’s eSignature solution, TotaleAtlas.

This partnership allows banks and credit unions to deliver convenient, flexible eSignature options for consumers to complete loan documents. The integrated solutions also support the new TILA RESPA Integrated Disclosure (TRID) guidelines from the Consumer Financial Protection Bureau (CFPB), which is currently scheduled to become effective on October 3, 2015.

“By integrating our CarletonDocs® solution with IMM’s TotaleAtlas, a financial institution’s customers can eSign loan documents either in-person at a branch or remotely from any location or device,” said Pat Ruszkowski, president of Carleton. “We saw an ideal opportunity with IMM to unite our solutions and empower our financial institution customers to improve productivity and the customer experience through transaction automation.  Partnering with IMM provides our customers with a proven and compliant eSignature solution.”

CarletonDocs® support the generation of all the lending documents related to each individual loan product offered by the lending institutions.  Carleton supports the lender’s custom documents, the documents provided by all major third-party document providers, as well as the dynamic generation of disclosure documents based on the attributes for each loan, ensuring lenders meet prescribed TRID requirements.  Now, prepared lending documents can be seamlessly delivered to IMM’s TotaleAtlas, creating an expedient eSignature process and further promoting compliance through an enhanced TotaleAtlas signing event audit file and rules-based eSignature management.

“Even with the TRID deadline extension, banks and credit unions are still under enormous pressure to implement the automation necessary to comply,” said John Levy, IMM executive vice president and ESRA (Electronic Signature & Records Association) board member. “Carleton and IMM have two products that complement one another, and it became a natural fit to help more financial institutions leverage eSignatures and automate their processes to meet the quickly approaching requirements and regulations. Now, Carleton’s financial institution customers can fully manage the signing event while providing consumers an intuitive, convenient experience.”

 

About Carleton, Inc.

Carleton Inc., based in South Bend, IN, is the leading provider of financial lending and leasing calculation software, compliance support, and document generation software. Founded in conjunction with the Truth-In-Lending Act in the late 1960’s, their client list has grown to include many of the major automotive finance companies and lenders, automotive lending software providers, loan origination software providers, and credit insurance companies in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

 

About IMM

Based in Linden, N.J., IMM develops and delivers innovative technology solutions that enable financial institutions to electronically streamline their business operations and processing environments. With a strong and secure legacy of serving more than 650 banks and credit unions with solutions for eSignature capture, business process (workflow) automation, and document presentment, IMM continues to create advanced software applications that promote clients’ sustainability while dramatically increasing productivity and operational efficiencies. The company is a longtime advocate of eSignature adoption and education, active in ESRA to advance the public’s understanding of issues surrounding the use of electronic signatures and records. For more information, visit www.immonline.com

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

South Bend, IN (November 11, 2014): Carleton, the leading provider of compliant consumer lending calculations and document generation services to financial lending institutions nationwide, has enhanced their CarletonDocs® and CarletonCalcs® software to meet the new Consumer Financial Protection Bureau (CFPB) mandated disclosure requirements for consumer mortgage loans. The Integrated Disclosure rule requirements are part of the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) that go into effect on August 1, 2015.

The TILA/RESPA Integrated Disclosure regulation requires the Loan Estimate (formerly “Good Faith Estimate” and “Early TILA Disclosures”) and Closing Disclosure (formerly “HUD-1 Settlement Statement”) documents to be based on the unique features and attributes specific to each individual real estate secured loan. Additional calculated disclosure data will be required to produce the disclosure documents. Over 1,000 different disclosure formats can be required as prescribed by the regulation, depending on the specific characteristics of the selected loan product.

Carleton’s solution dynamically generates the disclosure documents based on the attributes for each individual loan, ensuring the lender meets each prescribed requirement of the new regulation.  “The dynamic generation of documents provided in CarletonDocs® enables an LOS provider to support the upcoming TILA/RESPA regulations as well as any future dynamic requirements by the regulators and lenders,” said Deb Grounds, vice president of software services at Carleton.

New software enhancements include all the additional disclosure calculations, alphabetic sorting of fee fields, and the dynamic composing of the fields, formats, and text in the generation of the disclosure documents.   Security and version control enhancements have also been added to ensure accurate generation of compliant disclosure documents.  Carleton’s solution can be easily integrated and requires no changes to the document generation services already used within the LOS.

“In today’s lending environment, lenders will change their loan products and features to stay competitive,” says Pat Ruszkowski, president and CEO of Carleton.  “Under the new regulations, lenders will need to make sure that the format of the disclosure documents remains in compliance when changes are made to their loan products.  Carleton’s CarletonDocs® solution provides the “peace of mind” that generated disclosure documents always meet the prescribed disclosure rules.”

 

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

GRAPEVINE, TX (August 5, 2014): defi SOLUTIONS, the developer of an industry-leading cloud-based Loan Origination System (LOS), announced it has integrated Carleton CarletonCalcs® into its platform. defi SOLUTIONS customers will be able to access Carleton’s 40+ years of compliance expertise to ensure federal and state lending interest, fees, and the annual percentage rate maximums are not exceeded. From within the defi system, SmartCalcs automatically validates the loan disclosure items against state usury laws and federal TIL, assuring clients’ compliance. Carleton will also keep defi clients up-to-date with all regulatory compliance requirements on an ongoing basis.

“defi SOLUTIONS shares our same objective of providing customers with a comprehensive set of validation tools that allow them to focus on their business and customer relationships instead of managing the complex federal and state compliance requirements,” said Pat Ruszkowski, President and CEO of Carleton.

With defi SOLUTIONS, clients have the ability to coordinate the lending process from end-to-end (the online application to decision to verification and then to underwriting). defi’s program increases efficiency by minimizing manual processes. defi SOLUTIONS created an LOS that meets the complex requirements of large institutions but is also quick to deploy, scalable, and affordable for the general auto financing industry.

“Integration with Carleton will give defi clients the ability to more easily comply with federal and state lending regulations from within their LOS,” said Stephanie Alsbrooks, CEO of defi SOLUTIONS. “Our clients will also be able to validate against in-house defined underwriting lending requirements, which further extends our goal of offering the most flexible and configurable LOS on the market.”

 

About Carleton, Inc.

Carleton is the leading provider of compliant lending and leasing calculation software and document preparation software serving the financial and auto industry. Founded on compliance expertise at a federal and state level, their client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

About defi SOLUTIONS 

defi SOLUTIONS provides the only leading-edge, browser-based loan origination system (LOS) that is completely configurable by lenders. The defi system allows auto lenders to manage the loan lifecycle from a single, highly flexible platform. The defi LOS is affordable, scalable, and easily accessible from internet devices.www.defiSOLUTIONS.com.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Columbia, MD (August 10, 2012): Credit Management Solutions Inc (CMSI), a leading provider of credit automation systems for all types of consumer lending, announced today the full integration of Carleton’s consumer lending calculation and compliance engine, SmartCalcs, into their loan origination system, Origenate. SmartCalcs combined with Carleton’s customer support will provide an enhanced option to CMSI’s clients for compliant computational accuracy.

With Origenate, lenders can utilize CMSI’s powerful decision engine to ensure that each step in the process is complete and compliant. Origenate features self-documenting tracking and audit trails, identity verification, red flag rules, and much more, including lender-defined rules and parameters. “Adding Carleton’s compliant calculations is a natural next step in extending our capabilities and giving lenders the best available compliance tools,” said Chip
Riordan, President and CEO of CMSI.

“Compliance and calculation accuracy are top priorities in this new regulatory environment. To meet the compliance requirements of more than 250 Consumer Lending state laws and regulations nationwide, we turned to Carleton, the most experienced in the industry for calculation accuracy and compliance support,” added Chip Riordan.

Patrick J. Ruszkowski, President and CEO of Carleton, believes the alliance with CMSI is an absolute “win-win” situation for both companies. “Compliance is certainly critical to the success of any financial service provider,” he noted, “and we appreciate the opportunity to combine both of our companies’ expertise in providing a very strong loan calculation and compliance support solution within Origenate. Carleton is pleased to be working with one of the long-time LOS providers in the consumer lending industry.”

About Credit Management Solutions Inc. (CMSI)

With over two decades of industry leadership, CMSI is a premier provider of advanced credit automation solutions. CMSI solutions handle the processing and decisioning of all types of consumer credit. Using web-based, opensystems technology, these solutions also provide integration with popular application aggregators, client websites, major fraud and ID verification providers, and loan servicing solutions, as well as the major credit bureaus. Additionally, CMSI provides support for advanced eSignature and other electronic document technologies. The choice of many of North America’s largest lending institutions and other organizations, CMSI offers software as a service on a transaction basis or through a traditional software license. For more information, visit www.cmsinc.com.

About Carleton, Inc.

Carleton Inc. is the country’s leading provider of financial calculation software, loan origination and compliance support, and document delivery software. Founded in conjunction with the Truth-In-Lending act in the late 1960’s, their client list has grown to include most of the major lenders, automotive finance captive companies, credit insurance companies, and loan origination software providers in the United States. Carleton Inc. is headquartered in South Bend, Indiana. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

OVERLAND PARK, KS (May 5, 2014): VinSolutions, Inc., a marketplace leader and developer of Internet-based customer relationship management (CRM) for the automotive industry, announced today the integration of Carleton’s CarletonCalcs® consumer lending and leasing calculation engine into its recently enhanced desking platform. Carleton provides lending compliance software products to many of the major lending captives and lenders in the auto industry. This new integration will enable VinSolutions dealers to stay in compliance with auto lending regulations, which frequently change.

“At VinSolutions, we are committed to making it easier for salespeople to close deals faster and easier, and providing a comprehensive desking solution is a key component in achieving that goal,” said Brian Skutta, vice president and general manager of VinSolutions. “We needed a partner that understands the ever-changing auto lending regulatory environment, and this integration of CarletonCalcs® will help our dealer customers stay in compliance today and when regulatory changes occur in the future.”

Within VinSolutions’ newly enhanced desking platform, Carleton’s CarletonCalcs® software provides greater compliance and accuracy for all the lending and leasing computations at the state, federal, and lender level nationwide. Along with handling all methods of computations in the auto industry, the robust calculation functionality of CarletonCalcs® also handles the expansive tax and fee computations for loan and lease transactions nationwide.

“Accuracy and compliance support are certainly critical to the success of VinSolutions providing a complete desking solution to their dealers,” said Patrick J. Ruszkowski, president and CEO of Carleton. “With more than 40 years of experience, we are confident that our time-tested expertise in providing compliant calculation support will be highly beneficial to VinSolutions’ customers.”

This new integration is the latest in a round of enhancements that VinSolutions has released this year for its desking platform. Other new features provides sales people with the ability to manage multiple deals at once, render deals on a tablet or mobile device, reduce redundant data entry, and provide for a more transparent and improved customer buying experience.

About VinSolutions

VinSolutions® helps dealers make every customer connection count by providing sophisticated, yet easy-to-use software solutions that span the scope of dealership operations. With its cloud-based system, VinSolutions’ all-in-one internal management, sales and service marketing solutions platform is accessible from anywhere an Internet connection is available, including mobile devices. VinSolutions is OEM certified by every major manufacturer and is ADP, Reynolds & Reynolds and DealerTrack DMS certified. Founded in 2006 and headquartered in Overland Park, Kansas, VinSolutions is wholly owned by AutoTrader Group™, which also includes AutoTrader.com®, Kelley Blue Book®, vAuto®, HomeNet Automotive® and Haystak™ Digital Marketing. AutoTrader Group is a subsidiary of Cox Enterprises. Visit VinSolutions online at www.vinsolutions.com.

About Carleton, Inc.

Carleton Inc., based in South Bend, IN, is the leading provider of financial lending and leasing calculation software, compliance support, and document generation software. Founded in conjunction with the Truth-In-Lending Act in the late 1960’s, their client list has grown to include many of the major automotive finance companies and lenders, automotive lending software providers, loan origination software providers, and credit insurance companies in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.