Making SCRA compliance systematic
We're building the compliance infrastructure that financial institutions need to protect servicemembers and themselves.
Close the gap between obligation and execution
The Servicemembers Civil Relief Act has protected military families since 1940. But compliance remains stubbornly manual at most institutions: spreadsheets, Word documents, and institutional memory.
The result: fewer than 10% of eligible auto loans receive the required rate reduction. Wrongful foreclosures continue. And DOJ SCRA settlements have exceeded $400 million since 2011.
We believe the fix isn't more headcount or more training. It's better systems. Systems that encode the statute, automate the workflow, and produce documentation that stands up to examiner review.
From cyber operations to the compliance gap
Mario Bailey is the founder and CEO of Civrel, Inc. He serves in the Air National Guard in Cyber Systems Operations and has spent ten years as a software engineer, building systems across network operations, application development, and cybersecurity.
As a Guard member, Mario dealt firsthand with the difficulty of getting SCRA protections applied. A smaller financial institution made the process far harder than it should have been. It's the kind of experience that sticks with you when you know the law is supposed to be on your side and the institution can't figure out how to comply.
That dual perspective (cycling between civilian and military status while building software professionally) is exactly why civrel.io exists. Mario understands both sides: the servicemember who can't get their protections applied, and the technical problem of why institutions fail at it. He built the platform's architecture from the ground up.
The problem isn't that institutions don't want to comply. It's that DMDC lookups are manual, compliance workflows live in spreadsheets, and Guard and Reserve members cycle between active duty and civilian status without anyone catching it. By the time a violation reaches a courtroom, the institution has already failed the servicemember.
"Getting my SCRA protections applied took way longer than it should have. The uncertainty was the hard part: not knowing when they'd hit my accounts, whether I'd need to cover the difference in the meantime. A faster process from my lender would have saved me a lot of stress and let me focus on what actually mattered."
The people behind civrel.io
A focused team with deep experience in compliance, engineering, and regulated industries.
Jordan Mills
General Counsel
Jordan Mills serves as General Counsel at civrel.io, leading legal strategy and regulatory compliance. With deep expertise in the Servicemembers Civil Relief Act, Jordan ensures every aspect of the platform meets federal and state compliance standards, and helps clients navigate the regulatory landscape with confidence.
Our principles
Compliance First
We build for the examiner review, not just the happy path. Every feature is designed to produce audit-ready documentation.
Statutory Precision
We cite the statute. Every eligibility determination, every denial, every calculation traces back to specific SCRA provisions.
Servicemember Respect
These protections exist for a reason. We help institutions comply fully, not find loopholes to deny benefits.
Civrel, Inc.
Civrel is headquartered in Virginia, serving financial institutions, property managers, and law firms across the United States.
We're a small, focused team building purpose-built compliance software. No pivot from another product. No compliance-as-an-afterthought. Just SCRA, done right.
43150 Broadlands Center Plz Ste 124
Broadlands, VA 20148
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