Built-In · Not Bolted On

Compliance that runs itself — so you never have to worry about it

FTC Safeguards, CFPB packing monitor, TILA/Reg Z, OFAC SDN, Red Flags Rule, FCRA, adverse action, and fair lending — automated in every deal.

Open Compliance Suite →
12 Compliance Modules — All Included
Every module is live in your $24,995 license. No add-ons. No per-module fees.
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FTC Safeguards Compliance
Full FTC Safeguards Rule tracker — ISP, risk assessment, access controls, encryption audit, incident response plan. Auto-generates audit log.
LIVE
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CFPB Markup Monitor
Detects F&I packing patterns and reserve rate anomalies before the deal funds. Flags markup above discretionary band.
LIVE
TILA / Reg Z Disclosure
Auto-generates TILA 4-box disclosure on every RISC. APR, finance charge, amount financed, total of payments — calculated and filed per deal.
LIVE
OFAC SDN Screening
Live Treasury SDN list check on every customer at intake and deal creation. Instant pass/fail with audit trail. No API key needed — uses direct Treasury feed.
LIVE
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FTC Red Flags Rule
Checks 26 identity risk factors on every application. Flags synthetic identity, address discrepancy, fraud alerts, and straw purchases.
LIVE
FCRA Credit Consent
Collects and stores signed credit consent per bureau pull. E-sign compliant (UETA/ESIGN). Consent PDF stored per deal in encrypted vault.
LIVE
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Adverse Action Notices
Auto-generates ECOA/FCRA-compliant adverse action notices on every declined application. Stores with deal record and triggers 30-day follow-up.
LIVE
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Fair Lending Monitor
Tracks approval rates, rate spreads, and product penetration by protected class segments. Flags statistical anomalies for dealer review.
PARTIAL
Compliance
TOTP MFA Enforcement
Time-based one-time password (TOTP) multi-factor authentication on all admin and compliance functions. Meets FTC Safeguards MFA requirement.
LIVE
Inventory
NHTSA Recall Check
Checks every VIN against live NHTSA recall database at appraisal, stocking, and point of sale. Auto-generates disclosure if recall is open.
LIVE
State Rate Cap Engine
All 50 states + DC max APR caps, age-class tiers, UDAP statutes, and 9 federal FTC rules. Every deal checked against applicable state rate cap before print.
LIVE
AES-256 Encryption at Rest
All PII, SSN, and financial data encrypted at rest via LUKS full-disk encryption on the dealership server. Zero cloud exposure.
LIVE
Real Scenario

CFPB Examiner Walks In.
Louie Pulls Everything in 72 Hours.

The CFPB called. State AG is requesting records. You have 72 hours. Here's the exact documentation Louie generates — automatically, from your live data — before your attorney gets on the plane.

OFAC Screening Log
Every deal in the last 12 months, timestamped, showing the SDN match result. Proof no sanctioned entity was contracted.
TILA / Reg-Z Archive
Complete payment disclosures, APR calculations, and finance charge breakdowns for every retail installment contract — exported as a signed PDF chain.
Adverse Action Log
Every credit decision where you did not proceed, with the Reg-B-compliant reason code and the notification date. ECOA audit-ready.
Red Flags Clearance
Automated Red Flags Rule identity checks run at contracting. The log shows every flag triggered, every resolution, and the clear-to-proceed decision.
FTC Safeguards Report
Automated FTC Safeguards Rule tracker: current compliance status, last assessment date, data security posture, and vendor access log. 89-point checklist, live-updating.
MFA Access Audit Log
TOTP-enforced access log for every manager-level action: who authenticated, from which device, at what time, what they accessed. Immutable record.

None of this requires a consultant. None requires a 3-week document collection project. It's in the system. It runs live. You pull the report.

$24,995 — All 900+ capabilities, compliance included.

No add-on compliance subscriptions. No per-user fees. You own it.

Buy Now — $24,995 →