Loan Servicers
Guardial is built for loan servicing compliance as examiners actually review it: complaints, billing and escrow accuracy, error resolution, and the debt-collection and contact rules that trip servicers up. So Complaint Triage surfaces clusters before they hit the press, and marketing and outreach review clears quickly.
- Faster
- COMPLAINT-TO-RESOLUTION CYCLE, START TO CLOSE
- Flagged
- UDAAP AND FDCPA PATTERNS SURFACED IN REVIEW
- One Place
- NO SPREADSHEET HANDOFFS IN THE SCRA WORKFLOW
The regulators
on your shoulder.
Every Guardial workflow, control library, and report template is pre-loaded for the agencies and rules loan servicers actually face. No “what’s UDAAP” tutorial included.
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CFPB
FDCPA · RESPA SERVICING · BILLING ACCURACY · ERROR RESOLUTION
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OCC
SERVICING STANDARDS · SAFETY AND SOUNDNESS
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State Banking
LICENSING · SERVICING RULES · 50-STATE MATRIX
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FTC/FCC
TCPA · CALL AND TEXT CONSENT · MARKETING
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SCRA
SERVICEMEMBER PROTECTIONS · INTEREST-RATE CAPS · FORECLOSURE CHECKS
The work that
actually keeps you up.
Five problems specific to loan servicers, drawn from interviews with our customers and design partners. Each one maps to a Guardial workflow.
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Examiner-ready servicing program.
The CFPB is focused on servicing. You have a patchwork of spreadsheets and email. So Guardial gets you there in weeks: an Issues Home, a control library, and complaint tracking mapped to the servicing rules.
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FDCPA and contact rules.
Every call, text, and letter has a rule behind it. Guardial keeps your FDCPA and TCPA controls in one place, with the evidence an examiner will ask for.
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Billing and escrow accuracy.
Statement and escrow errors are where servicing exams start. Recurring controls catch issues before a borrower complaint does.
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Complaint clusters before they hit the press.
Complaint Triage classifies and routes incoming complaints in seconds. Patterns surface before they become a CFPB Consumer Complaint Database story.
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SCRA without the spreadsheet.
Guardial tracks servicemember protections and interest-rate caps inside the platform. So the record stays current instead of going stale in a side spreadsheet between checks.
Three modules, first.
We don’t sell all five modules to loan servicers on day one. These three matter most. Add the rest as you grow.
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Compliance Management
Complaint management, marketing and outreach review, state license and exam management, and regulatory playbooks: every regulator workflow under one parent.
Explore module -
Enterprise Risk
ManagementRisk assessments, RCSAs, the risk register, KRIs, controls, and issue management: one workspace for the operational risk program.
Explore module -
Third-Party Risk
ManagementVendor lifecycle, expert-built DDQs, contract management, and ongoing monitoring for financial services.
Explore module
The agents that
earn their keep.
These are the Guardial agents loan servicers use every day. Drafts only, so your team approves before anything leaves the system.
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Complaint Triage
Classifies incoming complaints by product, regulator, and urgency. Routes to the right queue with an SLA suggestion.
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Policy Review
Drafts the first pass on policy and procedure updates and tracks approvals, so review cycles stop living in email.
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Risk Movement Agent
Scans risks and controls daily for residual movement and lapsed control signals, and drafts a finding for review.
Self-serve to start.
Guided to the finish.
What the first few months look like for a typical loan-servicer customer. You can set most of it up yourself, and our team is there to get you to examiner-ready.
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Wk 1–2
Kickoff & data wiring.
You connect your servicing data, complaint inbox, and vendor list. We are on hand to help wire up anything tricky.
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Wk 3–6
Compliance Live
Complaints, FDCPA and TCPA controls, and outreach review go live, with the first agent drafts available. Your team reviews and approves.
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Wk 7–9
Risk + Vendors
Enterprise Risk and Third-Party Risk go live, with the RCSA workspace and vendor inventory in place.
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Wk 10–12
First examiner-ready Report.
Your full Issues Home goes active, and Guardial generates your first examiner-ready package.
If this looks like
you, we should talk.
We’ve built the servicing rules into our control library, from FDCPA and TCPA to SCRA and error resolution. Your regulators are pre-loaded.
Our CFPB exam prep used to be a fire drill across five spreadsheets. Now complaints, FDCPA controls, and the evidence all live in one place, and the examiner sees the same status we do.
Stand up your program in the time it takes to read this page.
Sign up, answer a short company profile, and the agents will have your first risk register built before your next meeting. Or book a 30-minute conversation with our team if you'd rather walk through it together.
Self-serve in 15 minutes · human review at every step