Pranay Shetty
CEO & Co-Founder
51 articles
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Colorado repealed and reenacted its 2024 AI Act in May 2026.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.
AI Chatbots in Consumer Finance: What the CFPB Spotlight Named and Who Enforces It in 2026
The CFPB's 2023 chatbot spotlight named real failure modes, and they did not disappear when the Bureau pulled back. The doom loop, missed federal rights, and UDAAP exposure, who enforces them now, and the controls that hold up.
Regulation E Error Resolution with AI Agents: A 1005.11 Playbook for Dispute Intake
Reg E error resolution has hard, statutory timing: 10 business days, provisional credit, 45 and 90 day windows. How to put an AI agent on dispute intake without missing a clock, and the verbal-claim trigger that keeps it compliant.
FCRA Furnisher Accuracy for AI-Driven Decisioning and Servicing: A Section 623 Playbook
How AI agents affect FCRA Section 623 accuracy duties and dispute investigations. A playbook for meeting the reasonable-investigation standard in 2026.
TCPA Compliance for AI Voice Agents in Mortgage and Bank Outreach: A 2026 Field Guide
What the FCC's 2024 declaratory ruling, the one-to-one consent rule, and the Mortgage One class action mean for AI voice outreach — with the consent stack, suppression rules, and audit pack regulated lenders need.
Fair Lending Testing for AI Agents: A Disparate Impact Playbook Under ECOA, HMDA, and the FHA
A working method for fair-lending testing of AI agents used in origination, marketing, and servicing — covering disparate impact, less-discriminatory-alternative search, marketing steering, and the exam-ready file.
AI Agents for Mortgage Loss Mitigation: A Regulation X Playbook for Servicers
How servicers can deploy AI agents inside the CFPB's loss mitigation framework — covering Regulation X timing rules, the 2024 proposed amendments, language access, dual tracking, and the exam-ready audit pack.
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