Fraud Detection & Compliance
Turn-Key Compliance. Built-In Fraud Detection. Zero Gaps.
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.
- FCRA/FACTA Compliant
- FNMA LQI Certified
- Bank Secrecy Act
- Audit-Ready Documentation
What’s Included
Complete Compliance Coverage in One Suite
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.
LQI Comparison Reports
Side-by-side comparison of original and refresh credit reports with color-coded highlights. Instantly spot new debts, inquiries, or score changes before closing.
Automated FACTA Disclosures
We automatically process and mail all FACTA-mandated Risk Based Pricing Disclosures to your applicants — with a Compliance Certificate for your records.
Refresh Reports (FNMA LQI)
Obtain an updated credit report via soft inquiry just before closing. Ensures no new debt or inquiries disqualify the borrower — with or without scores.
Precise ID Authentication
Experian's expanded fraud detection report validates Social Security numbers against Issued SSN, Deceased SSN, and OFAC databases — attached to every credit report.
Full Audit Trail
Complete audit reports available for State, Lender, or CFPB examinations — documenting every disclosure mailing with proof of compliance.
Regulatory Coverage
Covers FCRA, FACTA, Bank Secrecy Act, and FNMA Loan Quality Initiative requirements in a single, managed solution — reducing your compliance burden.
How It Works
Compliance on Autopilot
Pull Initial Credit Report
Order a standard tri-merge report through your credit reporting portal. Comply+ flags are set automatically based on your compliance profile.
Automated Disclosure Processing
FACTA-required Risk Based Pricing Disclosures are generated, printed, and mailed to the applicant without manual intervention.
Pre-Close Refresh Report
Before closing, a soft-inquiry refresh report is pulled and compared against the original — the color-coded LQI comparison highlights any changes.
Compliance Certificate Issued
You receive a Compliance Certificate documenting every step — ready for State, Lender, or CFPB audit at any time.
Included: Refresh Reports
Pre-Close Credit Verification Built In
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.
- Consumer's credit score is not affected (soft inquiry)
- Checks for new debts and inquiries before closing
- Complies with Fannie Mae Loan Quality Initiative guidelines
- Available with or without updated scores
- Side-by-side comparison with color-coded change highlights
Alternative Option
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 →Ready to Simplify Your Compliance Workflow?
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.