New IRS Auto Loan Rules Effective January 31, 2026: Vehicle Qualification & Interest Reporting Details

December 15, 2025

NEW

Lending

Live Webinar

DateDec 15, 2025Duration90 minutes

12:00 PM PST01:00 PM MST

02:00 PM CST03:00 PM EST

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Take-away toolkit
Presenter’s contact info for questions

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Take-away toolkit
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Financial institutions must act quickly to meet the IRS reporting deadlines under the One Big Beautiful Bill Act.

Lenders are now responsible for confirming qualified passenger vehicle status, issuing correct borrower interest statements, and maintaining proof of compliance. Errors in reporting could result in penalties and borrower confusion. Join this session to gain the tools and templates needed for IRS-compliant vehicle loan reporting and borrower education.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Understand the requirements for qualified vehicle loans under § 163(h)(4)
Learn what the IRS expects from lenders and what not to report
Explore verification options using VIN decoders, certifications, and system flags
Review transitional relief and best methods to meet the January 31, 2026, notice deadline
Identify key policy, audit, and documentation updates to protect your institution from penalties

WEBINAR DETAILS

The One Big Beautiful Bill Act introduced a new federal tax deduction for qualified passenger vehicle loan interest and added significant IRS reporting obligations for lenders. Under transitional guidance issued in IRS Notice 2025-57, financial institutions must determine whether each financed vehicle qualifies and issue accurate borrower interest statements by January 31, 2026. This rule is more than a data exercise—it’s a critical compliance requirement that demands proper verification, documentation, and borrower communication. Join compliance attorney David Reed as he breaks down the reporting process, including VIN decoding, GVWR verification, transitional-year safe harbors, and staff training strategies to ensure full compliance and borrower confidence.

WHO SHOULD ATTEND?

This informative session is designed for executives, loan operations and servicing managers, compliance staff, IT staff, audit and quality control, and anyone interested in IRS reporting requirements.

TAKE-AWAY TOOLKIT

Vehicle qualification checklist
Compliance timeline and reporting calendar
Sample policy language
Audit sampling worksheet
Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.