This Administration and Submission Policy governs every organization and individual who administers or facilitates any CDL Advantage (CDLA) product or service.   

As an organization or individual who administers or facilitates any CDL Advantage product or service, DO NOT: 

• Discriminate against any protected class or group when offering the CDLA program;
• Discourage any consumer from attempting to qualify for the CDLA program for any reason prohibited by applicable law;
• Alter, falsify, or omit any material information or document(s) relating to a consumer or sale of a product or service to a consumer when providing information or document(s) to CDLA;
• Advise, encourage or help consumers to provide incorrect or false information or omit material information;
• Couple a financing program approval under the CDLA Program with a different finance program approval to achieve a desired total financing amount, otherwise known as "loan stacking";
• Charge the consumer a fee to refer the consumer to CDLA; 
• Misrepresent any matter relating to an application for financing, the loan or installment contract, the financing instruments, the application or financing process, CDLA, or the CDLA Program;
• Engage in any "unfair, deceptive, or abusive act or practice" when offering a consumer financial product or service from CDLA or under the CDLA Program. Regulators may view a representation, omission, act or practice to be deceptive when it is material and misleads or is likely to mislead a customer. The representation, omission or act must be considered from the perspective of the "reasonable consumer”;
• Use marketing, promotions, or web content or methods relating to CDLA or the CDLA financing Program not previously approved in writing by CDLA;
• Represent to a consumer whether the consumer has or has not been approved for financing under the CDLA Program unless notified in writing of the same by CDLA;
• Quote nor represent to a consumer any payment amount nor term, nor condition,  nor rate;
• Do an act or omit information or take any other action or commit any omission that adversely affects the validity, enforceability or collectability of the loan or installment contract or any other financing instrument.

By presenting a submission to CDLA you acknowledge, affirm, and agree that:

• You are authorized by the trainee to make the submission with all associated forms and documents required
• Your organization and trainee have executed a valid enrollment agreement or training agreement or services agreement which complies with all applicable federal, state, and local statutes, regulations and rules 
• For all services and training that will be provided currently and at future dates, you affirm that the Facility and Trainee have at time of submission a fully executed written agreement enumerating services, costs and fees, including withdrawal and cancellation and refund policies, and detailing how and when training and other services will be delivered
• Requested amount for financing cannot exceed the total amount on trainee's enrollment agreement and/or services agreement 
• You have assessed all trainees submitted to CDLA and certify that they possess the ability to benefit from training 
• All prerequisites, including DOT Physical, drug screens, MVR and other CDLA requirements must be satisfied before acceptance of funds 
• Your organization is solely responsible for privacy protection of any data in its possession
• You must ensure CDLA submission information is only shared with persons on a “need-to-know” basis
• You must ensure CDLA application information is only disseminated to CDLA via approved channels
• You acknowledge that you have read and agree to the CDLA Security and Privacy Policy 
• You consent to do business with CDLA and our current and future affiliates, contractors, vendors, and agents electronically. You consent to use electronic records in our relationship with you
• You acknowledge that (a) You have read the training and onboarding materials provided by CDLA; and (b) You have participated in a face-to-face or electronic training session; and (c) CDLA is available to answer any questions and train any new members of your organization upon your request.
• You acknowledge that any employee, contractor, or vendor of your organization who administers or facilitates any CDL Advantage product or service shall read the training and onboarding materials as may be amended from time to time and shall be made aware of, and agree to, the requirement to adhere to and comply with the items contained in those materials and in this policy.

Processing 

• Submissions are processed in the order received.  
• You will receive an email that your submission has been transmitted to CDLA immediately after submitting.  This is not an acknowledgment of review or acceptability, rather it is a confirmation that the electronic package was transmitted at that moment.  
• Requests for you to correct errors or omissions after submission will result in a delay of processing.
• SCHEDULE / EFFECTIVE DATE NOTICE: Submissions made, documents received or actions taken by you or trainees after business hours or on non-business days, weekends, holidays, after 3PM Eastern or after Noon Eastern on Fridays, will be considered to be received and effective no earlier than on the following business day, regardless of when acknowledged by the system.  If certain transactions or events are processed by CDLA during non-business hours, they have been processed as a courtesy to you and are effective no earlier than the following business day. 

Changes to this Administration and Submission Policy

We may update this Policy from time to time. We advise you to periodically review this page for any changes. These changes are effective immediately, after they are posted on this page.

Contact Us

If you have any questions regarding our Administration and Submission Policy, do not hesitate to contact us.