Self-Serve tier

Pro-tier Credit CARD Act / TILA §1666 / Reg Z (12 CFR §1026 Subparts B and G) audit of (a) ability-to-repay underwriting at account opening (§1026.51), (b) 21-day grace period between statement and payment due (§1026.5(b)(2)(ii)), (c) late-fee safe harbor under §1026.52(b) (CFPB

Pro-tier CFPB Civil Investigative Demand (CID) response under 12 USC §5562 / 12 CFR §1080. Manages the §1080.6(c) 10-calendar-day meet-and-confer requirement, §1080.6(e) 20-calendar-day petition-to-modify-or-set-aside deadline, document hold / preservation, attorney-client / work

Pro-tier CFPB non-bank supervisory authority audit under 12 USC §5514 covering (a) non-bank consumer financial product/service providers identified by category (mortgage, payday, private student loans), (b) "larger participants" of additional markets (consumer-reporting, debt col

Pro-tier CFPB UDAAP / 12 USC §5531 audit framework distinguishing the three prongs — Unfair (substantial injury not reasonably avoidable not outweighed by countervailing benefits), Deceptive (material representation likely to mislead reasonable consumer), and Abusive (interferes

Pro-tier EFTA §1693g / Reg E (12 CFR §1005.6) consumer-liability tier audit for unauthorized electronic fund transfers (debit card, ACH, P2P apps, mobile wallet). Embeds the 2-business-day / 60-day liability tiers ($0 / $50 / $500 / unlimited), §1005.11 error-resolution 10-busine

Pro-tier FCRA §1681i / Reg V (12 CFR §1022) dispute workflow for consumer-attorney use. Manages CRA reasonable-reinvestigation 30-day duty, §1681i(a)(2) 5-business-day forwarding, §1681i(a)(6)(B) Method-of-Verification escalation, §1681s-2(b) furnisher private right of action, §1

Pro-tier FCRA §1681b permissible-purpose audit for employment, tenancy screening, insurance, and other non-credit uses of consumer reports. Embeds §1681b(b) employment-purpose disclosure + standalone-document + signed-authorization stack, §1681b(b)(3) pre-adverse-action 5-busines

Pro-tier FDCPA §1692c cease-and-desist + time/place/manner audit and letter drafter. Embeds §1692c(a) inconvenient-time presumption (before 8 am / after 9 pm consumer local time), §1692c(a)(3) workplace prohibition, §1692c(b) third-party communication restriction, §1692c(c) cease

Pro-tier FDCPA §1692g 30-day validation-period audit for debt collectors and debt buyers. Verifies the §1692g(a) initial-communication validation notice (creditor name, amount, dispute right, verification right), the mini-Miranda under §1692e(11), the Reg F (12 CFR §1006.34) Vali

Pro-tier RESPA §8 / 12 CFR §1024.14 audit of referral kickbacks, fee splits, Marketing Services Agreements (MSAs), Affiliated Business Arrangements (AfBAs / §1024.15), and unearned-fee arrangements in mortgage settlement. Distinguishes lawful payments for services actually perfor

Distinguish the TILA §1635 / Reg Z §1026.23 3-business-day right of rescission from the 3-year extended rescission window for non-purchase consumer mortgages, refinances, and HELOCs secured by the borrower's principal dwelling. Computes deadlines, identifies trigger events for th

Apply the TILA-RESPA Integrated Disclosure (TRID) rules under 12 CFR §1026.19 governing the Loan Estimate (LE) 3-business-day delivery and the Closing Disclosure (CD) 3-business-day waiting period before consummation. Identifies "changed circumstance" triggers requiring revised L