Pranay Shetty
CEO & Co-Founder
33 articles
Sei AI vs Observe.ai: Voice AI Built for Mortgage Lenders and Servicers
A detailed, mortgage-specific comparison of Sei AI and Observe.ai — from speed-to-lead and loan-officer appointment booking to FDCPA-compliant servicing calls and 100% QA against TRID, RESPA, and UDAAP.
Sei AI vs Genesys: Adding a Managed Mortgage AI Layer to Your Contact Center
A mortgage-specific comparison of Sei AI and Genesys — how Sei's fully managed lending platform (speed-to-lead, LO appointment booking, servicing, underwriting, and QC) runs on top of the Genesys contact center.
Sei AI vs Kastle: AI Voice Agents Across Mortgage Servicing and the Full Loan
A mortgage-specific comparison of Sei AI and Kastle — from payments, escrow, payoffs, and FDCPA-compliant collections to origination sales voice, underwriting, and post-close QC on one managed platform.
Sei AI vs Sela: AI Voice for Mortgage Origination — and Everything After
A mortgage-specific comparison of Sei AI and Sela — speed-to-lead, mortgage lead qualification, and LO appointment booking, plus the underwriting, income calculation, and QC that turn a lead into a funded loan.
Sei AI vs Marr Labs: AI Voice Agents for the Full Mortgage Lifecycle
A mortgage-specific comparison of Sei AI and Marr Labs — natural voice for lead qualification and servicing, plus the underwriting, income calculation, and QC that make Sei a managed end-to-end mortgage platform.
Regulation F for AI Voice Debt Collection: The 7-in-7 Ledger, the Limited-Content Message, and the Per-Debt Architecture
The CFPB's Regulation F call-frequency presumption, post-conversation wait, limited-content message, and channel opt-out rules are mechanical and per-debt. The agent design we run so an AI voice program does not inherit a 1006.14 harassment finding from a dialer it replaced.
Colorado SB 26-189 for Banks and Lenders: The ADMT Framework Replacing the 2024 AI Act and What is Due by January 2027
Colorado repealed and reenacted its 2024 AI Act in May 2026. The replacement is SB 26-189, effective January 1, 2027, which drops the algorithmic-discrimination duty and the impact-assessment regime and instead lands pre-decision notice, a 30-day post-adverse-outcome explanation, and a meaningful human-review right on any 'covered ADMT' that materially influences a financial or lending decision. The version that actually maps to a bank or non-bank lender's operations.
Force-Placed Insurance Under Regulation X 1024.37: What an AI Servicing Agent Has to Get Right Before the Charge Posts
Force-placed insurance is one of the most expensive servicing mistakes a mortgage program can make and the noticing rules at 12 CFR 1024.37 are mechanical. The agent design we run to keep the 45-and-30-day clocks, the reasonable-basis standard, the refund duty, and the credit-bureau correction synchronized across the systems that touch the loan.
Sei AI vs Saris: Agentic AI for Lending, From Back Office to Borrower
A detailed comparison of Sei AI and Saris for agentic lending automation — document workflows and back-office processing versus a managed mortgage platform spanning sales voice, underwriting, closing, and QC.
CFPB 1071 Small Business Lending and AI Agents: A Subpart B Playbook for the Firewall, the Data, and the Filing
Section 1071 added 81 data points and a firewall between demographic collection and credit decisions. How to put AI agents inside the small-business application without breaching Regulation B Subpart B.
SCRA Compliance with AI Agents: DMDC Queries, the 6 Percent Cap, and the Verbal-Notice Trigger
SCRA carries a private right of action and an active DOJ enforcement docket. How we build AI agents that catch the verbal notice, query DMDC at the right moments, apply the rate cap correctly, and hold the foreclosure stay.
TRID Compliance with AI Agents: The Six-Element Trigger, the 3/7-Day Clocks, and Re-Disclosure
TRID timing is unforgiving and the application-defining moment is where most violations start. How to put AI agents on mortgage origination intake without missing the Loan Estimate clock or breaking the tolerance buckets.
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