For ServicersCompliance Manager
Compliance Manager
Scores every servicing call and letter against Regulation X, Regulation F, TCPA, FDCPA, UDAAP and your own SOPs.
Every servicing call and every letter scored against Regulation F, Regulation X, TCPA and UDAAP — none sampled, and the violating moment cited to its timestamp.
Every servicing call and every letter scored against Regulation F, Regulation X, TCPA and UDAAP — none sampled, and the violating moment cited to its timestamp.
What it displaces
What it does
- 01
Scores every servicing and collections interaction — servicing conduct, so Reg X, Reg F, FDCPA, TCPA and UDAAP
- 02
Cites the violating moment to its timestamp, with a scorecard per agent
- 03
Checks the letter as well as the call, because a Reg X acknowledgement is a written obligation
- 04
Trends complaints from the CFPB Consumer Response portal, calls and the public channels, so a pattern surfaces before an exam finds it
What it leaves behind
- Mini-Miranda givenpass00:08 · §1692e(11)
- Loss mitigation option namedpass04:22 · §1024.39
- Outcome implied on a review still openreview06:51 · UDAAP
- Escrow shortage explainedpass08:37 · your SOP 14
Human-in-the-loop
No guesswork. Exceptions routed to humans
It scores and evidences. The manager is given detailed insights on the team's performance
What it runs on
1 of 3Every call, email and chat scored against your SOPs and the regulations
- Scorecards
- Complaint Watch
The rest of the servicing side
All 8 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 02Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.
- 03Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 04Default Management DeskSixty days and beyond, with the timelines held.
- 05Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 06Claims AnalystThe claim package, read and reconciled for review.
- 07Payoffs ManagerUpstreamQuotes, good-through dates and the release clock.
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