Agility Credit's Compliance Enforcement Platform is a comprehensive compliance management system designed to protect your business, your customers and your reputation. From Red Flag detection and OFAC screening to privacy notice delivery, risk-based pricing and Adverse Action notice automation, the platform ensures every step of your credit workflow is compliant — automatically. Purpose-built for lenders, dealers and financial institutions, the system enforces company policy through hard stops, required documentation and real-time verification, giving compliance teams the tools to monitor, audit and document every decision with confidence.
Key Features:
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Automated Compliance Controls – Monitor and enforce compliance across credit, fraud and identity workflows with configurable logic, alerts and escalation paths.
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Red Flag Detection & Hard Stops – Automatically detect potential identity and fraud red flags, enforce hard stops when required and document resolution steps through notes and audit logs.
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Stipulation Requests – Request and track stipulations directly from consumers or applicants. Upload documents, verify authenticity and clear flags securely within the platform.
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Clearance & Audit Logging – Compliance users can clear or document red flags by adding notes, verifying conditions and confirming adherence to internal policy — all logged for audit readiness.
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End-User Policy Enforcement – Require users to follow company-defined workflows before proceeding — ensuring adherence to policies and consistent compliance outcomes.
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Document Retention & Storage – Maintain up to 10 years of record storage for credit applications, privacy notices, Adverse Action letters and compliance documentation.
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Integrated Consumer Notifications – Automatically deliver and track:
- Privacy Notices
- Risk-Based Pricing Notices (RBPN)
- Adverse Action Notices (AA)
All electronically delivered, acknowledged and stored for regulatory compliance.
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Identity & Fraud Controls – Incorporates OTP verification, Out-of-Wallet (KBA) questions and synthetic ID alerts to validate consumer identity before approval.
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OFAC & AML Screening – Built-in checks against government and sanctions lists to prevent restricted transactions.
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Accessibility & Security – ADA-compliant, mobile-optimized design. Protected by the same enterprise-grade security used across Agility Credit's bureau integrations, including AES-256 encryption and SOC 2-certified infrastructure.
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Third-Party Integration Ready – Connects directly to dealer management systems (DMS), loan origination systems (LOS) and CRM tools — enabling seamless workflows across your technology stack.
Benefits:
- Automate Compliance: Eliminate manual oversight with built-in policy enforcement and real-time validation.
- Reduce Risk Exposure: Identify and block non-compliant transactions before they occur.
- Simplify Audits: Maintain 10 years of searchable, secure documentation for every decision.
- Enhance Accountability: Enforce user policy adherence with clear, documented actions.
- Protect Consumers: Deliver privacy, risk-based pricing and Adverse Action notices automatically.
- Unify Oversight: Monitor credit, fraud and identity compliance in a single dashboard.
Use Cases:
- Auto Dealers: Automate compliance for Red Flags, OFAC and Adverse Action delivery across all transactions.
- Lenders & Fintechs: Maintain regulatory consistency and audit readiness across digital channels.
- Credit Unions & Banks: Standardize compliance workflows and electronic disclosures.
- Enterprise Portfolios: Manage multi-location compliance with consistent reporting and long-term document storage.
Integration & Workflow:
The platform integrates seamlessly with Agility Credit's credit, fraud and KYC services — enabling full end-to-end compliance coverage.
- Supports real-time API or hosted integration.
- Automates delivery and logging of required consumer disclosures.
- Connects to DMS, LOS and CRM systems for embedded compliance at every step.
Compliance & Security:
- FCRA, GLBA, Red Flags and OFAC compliance
- SOC 2-certified, bureau-grade security
- AES-256 encryption for all documents and transactions
- ADA & WCAG 2.1 accessibility standards
- 10-year electronic document retention
- Audit trail and reporting dashboard for all notices, clearances and user actions
Get Started:
Compliance shouldn't slow you down — it should protect and empower you. Agility Credit's Compliance Enforcement Platform automates oversight, enforces policies and keeps every transaction compliant by design.
