ECOA, TILA, FCRA and HMDA, automated
Hold the consumer-credit rulebook and your fair-lending evidence in one place, with an agent to do the work and a human to certify.
- Live today
- Cross-mapped with ISO 27001
- Agent-run, human-certified
- Encrypted and tenant-isolated
Consumer-credit compliance governs how you advertise, underwrite, price, service, and collect consumer loans, and fair lending is the part that forbids discrimination in any of it. Diligio Compliance holds the controls across ECOA, TILA, FCRA, HMDA, UDAAP, and debt collection, with the evidence behind them kept current.
What Consumer Credit and Fair Lending is
The core US rules are ECOA and Regulation B on discrimination and adverse-action notices, TILA and Regulation Z on disclosure and pricing, FCRA on the use of consumer reports, HMDA on mortgage data reporting, the prohibition on unfair, deceptive, or abusive acts, and the debt-collection rules.
Regulators look at two fair-lending theories. Disparate treatment is treating a protected applicant differently. Disparate impact is a neutral policy that falls harder on a protected group without sufficient business justification, and it is the one that catches firms by surprise, because nobody wrote a discriminatory rule and the outcome data simply came out skewed. That makes model governance and monitoring evidence, not policy documents, the thing you need to be able to produce.
How Diligio Compliance helps
The rulebook as controls
ECOA, TILA, FCRA, HMDA, UDAAP, and collections held as a control register, each with status, owner, proof, and last-reviewed date, rather than as a policy binder nobody reads.
Fair-lending and model evidence
Keep monitoring results, adverse-action reasoning, and the governance behind an automated or AI underwriting model linked to the controls they support, with review windows so the evidence stays current.
An agent that proposes, a human that certifies
The agent stages a status for every control with evidence cited beneath it. A qualified person reviews the diff and certifies, and every change is logged.
Reuse across your programme
Cross-mapped to ISO 27001 and SOC 2, so access, change, and vendor controls you already evidence are reused here instead of being gathered twice.
New to the process? Read the Consumer credit and fair lending, explained.
Frequently asked questions
Does Diligio Compliance make my lending fair-lending compliant?
No. That is your accountability as the lender, and it is tested by your regulator and by your own outcome data. Diligio Compliance holds the controls, the monitoring evidence, and the model governance record, and makes them producible on request.
Does it cover AI and automated underwriting models?
The control set includes the governance around an automated or AI model: how it was validated, what is monitored, and who owns it. If you also run ISO 42001, that AI management work is cross-mapped rather than duplicated.
Is consumer-credit support available now?
Yes. Consumer credit and fair lending are live in Diligio Compliance, backed by their own control catalog. Talk to us and we will enable it and help you scope it to the products you offer.
Get started
Tell us you are working towards Consumer Credit and Fair Lending and we will enable Diligio Compliance for your team and help you get set up. A flat $1,999 per company per year, or $499 for your first year as a startup.