Standing up a compliance program should not begin with a blank spreadsheet and a search engine. Instead, we pre-load the regulatory requirements that apply to your business. So day one starts from a working baseline your team refines.
Why a starting point beats a blank slate.
The slowest part of a new program is not the work. It is deciding what the work is. Teams spend weeks arguing about which regulations apply, in what order, and to whom, before a single control is written.
A starting point collapses that. You begin from the requirements practitioners already know apply to a business like yours. Then you spend your time confirming and tailoring, the part that actually needs your judgment.
How we map requirements to your business.
You tell us a few things: your products, where you operate, your charter or licenses, and where each product sits in its lifecycle. From that, Guardial maps the regulations and top requirements that apply, and leaves out the ones that do not.
None of it is treated as final. The map is a first draft. Your team reviews and adjusts it, then re-runs it whenever your products or footprint change.
What the starter set includes.
The starter set spans the areas most consumer-facing financial businesses answer to. Coverage below is directional; your actual map depends on your products and states.
| Consumer Protection | UDAAP, FCRA, ECOA/Reg B, adverse action | core |
|---|---|---|
| servicing & collections | FDCPA, TCPA, SCRA, RESPA servicing, billing accuracy | core |
| BSA/AML sanctions | BSA program, monitoring, OFAC screening | core |
| licensing & filings | State licenses, renewals, required filings | high |
| privacy & data | GLBA safeguards, data handling, retention | high |
| governance | Policies, board reporting, and issue tracking | high |
What you own after.
After the map, the requirements are yours. You confirm what applies and adjust anything that needs nuance. Then you add whatever is specific to your business, because the map is a baseline for your judgment to shape.
As your products and footprint change, re-run the map. A new state, product, or charter brings new requirements, so the starting point updates instead of going stale in a binder.
Where Guardial fits in.
The starter requirements do not sit in a document. They become tracked workflows inside the Compliance module from day one.
- Playbooks
- Requirements map to regulatory playbooks you can score against.
- Regulatory updates
- Guardial triages new guidance against the requirements it affects.
- Filings & renewals
- Guardial tracks deadlines so nothing lapses.
- Issues Home
- A gap in any requirement opens an issue with an owner.
The Policy Review agent drafts the first pass on the policies each requirement needs. Then a named person approves each draft before it goes out.