Every obligation.
Every deadline.
Every time.
Automate DMDC verification, eligibility determination, rate calculations, and audit documentation for financial institutions, property managers, and law firms.
SCRA enforcement is at an all-time high. Most institutions aren't ready.
The December 2024 DOJ/CFPB joint notification letter reinforced that institutions must proactively check the DMDC database—not wait for servicemembers to request benefits.
Yet fewer than 10% of eligible auto loans and just 6% of eligible personal loans receive the required rate reduction. The gap between obligation and execution is where enforcement actions live.
Most compliance teams are still running manual DMDC lookups, tracking deadlines in spreadsheets, and drafting letters in Word. When examiners arrive, they scramble to reconstruct audit trails from fragmented records across email, shared drives, and institutional memory.
Recent Enforcement Actions
One platform for the entire SCRA lifecycle
From intake to resolution—verification, eligibility, calculations, deadlines, and documentation. Built for banks, credit unions, mortgage servicers, auto lenders, property managers, debt collectors, and law firms.
DMDC Verification
Single and batch lookups against the Defense Manpower Data Center. Returns active duty status, service dates, and branch. Generates verifiable certificates automatically.
Eligibility Engine
Statutory logic for every protection type: rate caps (§3937), foreclosure (§3953), repossession (§3952), default judgments (§3931), lease termination (§3955).
Rate Calculations
6% cap calculations for simple, amortized, and revolving credit. Retroactive refund calculations. Restoration schedules. Full audit trail on every computation.
SLA Tracking
Configurable deadline monitoring for initial response, eligibility decision, rate application, and refund processing. Visual status indicators. Automated alerts.
Document Generation
Template-driven letters for acknowledgment, approval, denial, rate adjustment confirmation, and restoration notices. Full version history.
Handoff Exports
Structured export packages for core banking rate adjustments, loan servicing updates, general ledger entries, and regulatory reports.
Built for your compliance reality
Banks & Credit Unions
Consumer loan portfolios with thousands of accounts to screen before rate adjustments or collection actions.
Mortgage Servicers
Foreclosure timelines paused mid-process. CFPB expects documentation you can't produce manually at scale.
Auto Lenders
One wrongful repossession triggers DOJ enforcement. You need verification before every repo decision.
Property Management
Lease terminations with 30-day notice requirements. Security deposit timelines that don't pause for your workflow.
Debt Collectors
Pre-collection screening on every account. Active duty status changes mid-collection cycle.
Law Firms
Managing SCRA compliance across multiple institutional clients. Court deadlines that don't sync themselves.
Get on the list
We're onboarding a small group of early partners. Tell us about your organization and we'll reach out to discuss your SCRA compliance needs.
Built by Mario Bailey, U.S. Air Force veteran. Saw the gap between what servicemembers are entitled to and what institutions can realistically track. Built Civrel to close it.