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The letters went out. 97 of them. And buried inside each one is a compliance framework so broad, so technically demanding, that a single sold car, still live on your website three hours later, could cost you half a million dollars.

Jim Fitzpatrick sits down with David Spisak, CEO of Disruptive Growth Solutions, and they don't soften it. Sixteen categories of violations. Salespeople's Instagram posts counted as advertising. Third-party listings you don't control triggering fines you can't afford. Vendors with zero legal exposure leaving dealers to absorb every hit alone.

But here's what this conversation actually is: two people who've lived inside this industry since the '80s, watching a decades-long pattern finally come due, and being honest about who lit the fuse.

And underneath all of it: a real question about what a sustainable dealership actually looks like from here.

This is the conversation the industry is having behind closed doors. It's happening on the record now.

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