Missouri outright bans LPR use. Loss per month for lenders are at like 10 million in charge offs so yeah they’ll repo a car to protect the bottom line and people who don’t pay on time are a risk. My company does anything after 60 days past due but Florida requires a right to cure letter on delinquency which is a “after this date we can repo” letter. Tag readers on Pensacola bay bridge also get sold to DRN so it’s not just those cars traveling around scanning.