When the CFPB comes knocking,
you open Porchy.

Every access to non-public personal information is logged with SHA256 hashing, timestamped, and stored immutably. Cannot be deleted — not even by administrators. Available for regulatory examination on demand.

Business-day precision tracking for Loan Estimate issuance, 3-business-day waiting periods, Closing Disclosure issuance, and all TRID regulatory windows. Breach detection triggers Tier 0 alerts before violations occur.

ECOA requires adverse action notices within 30 days. Porchy tracks every application in the adverse action queue, monitors the deadline, and generates compliant notices with required reason codes.

HMDA data collection and disparate impact reporting. Identify demographic patterns in approvals, pricing, and time-to-close. Built-in impact ratio calculations and threshold monitoring.

Hey Porchy redacts SSNs, dates of birth, account numbers, and other NPI before every AI call. The model sees loan context without ever receiving raw borrower data. GLBA compliance is maintained for every single AI interaction.

Automated suspicious activity review with threshold-based alerts. Generates SAR filing documentation and maintains the required audit trail for BSA/AML compliance requirements.

NMLS license expiration tracking for every loan officer on your team. Automatic alerts at 90, 60, and 30 days before expiration. Prevents unlicensed activity before it happens.

Anti-money laundering transaction monitoring with automated review workflows. Flag unusual patterns, maintain required documentation, and generate exam-ready reports.