Pranay Shetty
CEO & Co-Founder
59 articles
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.
Adverse Action Notices for AI Credit Decisions: An ECOA Reg B Playbook
What CFPB Circular 2023-03 means for lenders running AI/ML credit models — how to generate specific, accurate reasons for denial under ECOA Regulation B without falling back on the sample form checklist.
AI Agents for Credit Unions: An NCUA-Aligned Deployment Guide
A practical guide for credit unions deploying AI voice and chat agents — covering NCUA expectations, Reg E, share-draft language, member experience, and the small-shop realities of CU technology stacks.
Build vs. Buy: Should Your Bank Build an AI Agent or License One?
A decision framework for banks and credit unions weighing whether to build AI agents in-house or license a regulated-finance platform — covering total cost, time to value, model risk, and the in-house capabilities you actually need.
AI Agents for Mortgage Brokers and Lenders
How mortgage brokers and lenders can deploy policy-aware AI agents across origination, servicing, QC, and post-close — with 100% monitoring and document intelligence.
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from