Federal and States institutions have recently enacted a number of consumer protection laws directly related to the loan origination process for financial institutions. Those consumer protection rules and regulations have impact virtually all bank operations and they have modified the method in which auto loans are approved and will be financed in the future. E-net has developed a secure SaaS Internet web base auto finance system that allows the dealer to link with their customer virtually live over the Internet or in their office during the sales process. All the data collected is stored in a secured data base with limited access by the dealer only, and it’s available for the life of the loan or seven years.