← B2BB2B · COMPLIANCE

Furnisher data audit
before the regulator looks.

Banks, neobanks, BNPL, and any entity reporting to CRAs is a §1681s-2 furnisher. Your reporting flow has errors you haven't seen yet — errors that become $500M CFPB consent decrees. We audit your data before it leaves your stack.

What we audit

  • ◆Furnisher file integrity (Metro 2, e-OSCAR) before submission
  • ◆Pattern detection: accidental re-aging across your portfolio
  • ◆Post-dispute reinvestigation completeness (FCRA §1681s-2(b))
  • ◆Consistency between your core system + bureau submission
  • ◆Cross-bureau variance in what you report for same consumer

Deliverables

  • ◆Pre-submission anomaly dashboard — fix before harm
  • ◆SHA-3 sealed snapshot of every reporting cycle (legal defense)
  • ◆Monthly compliance attestation (SOC 2 / NYDFS / OSFI ready)
  • ◆CFPB/AG investigation toolkit — 24h to produce chain of custody
  • ◆Audit trail admissible in regulatory + civil actions

Enforcement context (2024-2026)

  • ◆CFPB $100M against a top 5 BNPL for §1681i/s-2 pattern violations
  • ◆$250M multi-state AG action against fintech aggregator
  • ◆OSFI updated guidance on Canadian furnisher accuracy
  • ◆EU DORA compliance layer (ICT risk + outsourcing of credit data)
  • ◆Your reporting volume is your liability surface

Integration

  • ◆REST API: ingest furnisher files via your existing workflow
  • ◆Inline pre-submission: Credit Truth scores → your system holds/releases
  • ◆SaaS dashboard for compliance officers
  • ◆SOC/SOX attestation reports quarterly
  • ◆White-glove onboarding for enterprise accounts
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