Fraud Detection & Compliance
Comply+ is a comprehensive fraud detection and compliance suite covering FCRA/FACTA, Bank Secrecy Act, and FNMA Loan Quality Initiative guidelines — including Refresh Reports, automated disclosures, and full audit-ready documentation.
Comply+ bundles every fraud detection and compliance tool mortgage lenders need — from pre-close refresh reports to automated FACTA disclosures — into a single, integrated solution.
Side-by-side comparison of original and refresh credit reports with color-coded highlights. Instantly spot new debts, inquiries, or score changes before closing.
We automatically process and mail all FACTA-mandated Risk Based Pricing Disclosures to your applicants — with a Compliance Certificate for your records.
Obtain an updated credit report via soft inquiry just before closing. Ensures no new debt or inquiries disqualify the borrower — with or without scores.
Experian's expanded fraud detection report validates Social Security numbers against Issued SSN, Deceased SSN, and OFAC databases — attached to every credit report.
Complete audit reports available for State, Lender, or CFPB examinations — documenting every disclosure mailing with proof of compliance.
Covers FCRA, FACTA, Bank Secrecy Act, and FNMA Loan Quality Initiative requirements in a single, managed solution — reducing your compliance burden.
With Comply+'s built-in Refresh Reports, you can obtain an updated borrower credit report via soft inquiry — ensuring no new debts or credit inquiries have appeared since the original pull. The color-coded LQI Comparison Report makes review fast and straightforward for your staff.
Consider Undisclosed Debt Monitoring™ (UDM) by Equifax — which continuously monitors a borrower's credit file for increased activity during the quiet period between the original pull and closing.
Learn About UDM →Join 15,000+ mortgage professionals who trust CTI's Comply+ suite for turn-key fraud detection and regulatory compliance — FCRA, FACTA, BSA, and FNMA LQI covered.