Portfolio Screening
Screen entire portfolios for active duty servicemembers before collection, foreclosure, or repossession. Batch verification against the Defense Manpower Data Center identifies accounts requiring SCRA compliance—before you take action that triggers liability.
Why Batch Screening Matters
Single-account verification works when a servicemember contacts you. But most don't—they're deployed, relocated, or simply unaware of their rights. The only way to ensure compliance across a portfolio is proactive screening.
The Risk
Wrongful collection, foreclosure, or repossession of a servicemember triggers DOJ enforcement, private lawsuits, and reputational damage. Penalties often exceed the underlying debt value.
The Solution
Screen before you act. Identify servicemembers before collection calls, before foreclosure filing, before the repo truck rolls. Compliance starts with knowledge.
Common Screening Scenarios
Pre-Collection Screening
Screen accounts before initiating collection activity. Identify servicemembers who may be entitled to rate caps or other protections before you take action that could trigger liability.
Portfolio Acquisition
Due diligence on acquired loan portfolios. Identify accounts with potential SCRA obligations before they become your compliance problem.
Periodic Re-Screening
Regular screening of existing portfolio for new activations. Servicemembers enter active duty throughout the year—90-day re-screening catches them before violations occur.
Pre-Foreclosure / Pre-Repo
Screen all accounts in default pipeline before initiating foreclosure or repossession. Required by DOJ consent orders for many institutions.
DOJ Consent Order Requirements
Many SCRA consent orders now require institutions to implement systematic screening programs. Common requirements include:
- DMDC verification before any foreclosure or repossession action
- Periodic re-screening of accounts in default status
- Documentation of all verification attempts and results
- Audit trail demonstrating compliance program effectiveness
- Regular reporting to the DOJ on screening activity
How Batch Screening Works
CSV/Excel Upload
Upload your file in standard format. Map columns to required fields. Process thousands of records in a single batch.
DMDC Integration
Batch submitted to Defense Manpower Data Center. Real-time status for each record. Verification certificates generated automatically.
Hit Identification
Servicemembers flagged for review. Protection periods calculated. Automatic case creation for accounts requiring action.
Export Results
Download complete results with service dates. Export hits for downstream processing. Integration-ready formats.
Built for portfolio-scale operations
Whether you're screening hundreds of accounts before a collection cycle or millions during a portfolio acquisition, Civrel handles the volume with full audit trail.
Who uses portfolio screening
See batch screening in action
Book a demo to see how Civrel handles portfolio-scale DMDC verification.