compliance built for mortgage .
From the first lead-gen text to the final wire instruction, moatis catches TCPA, GLBA, FCRA, and state-specific violations your loan officers might otherwise miss.
TCPA
Robocall + SMS consent
GLBA
Customer financial privacy
FCRA
Credit report handling
RESPA
Settlement procedures
TILA
Truth in lending
State UDAP
50-state coverage
CFPB
Mortgage advertising
Carrier rules
10DLC + deliverability
typical sales & outbound violations.
“guaranteed approval” language
Loan officers use this phrase to close. Violates CFPB unfair advertising rules and most state lender regulations.
SSNs in outbound SMS
Loan officers asking for SSN verification over SMS. Violates GLBA Safeguards Rule. moatis auto-redacts before send.
Credit score values in messages
Sharing exact credit scores without permissible purpose documentation. moatis flags and prompts for authorization.
“no credit check” advertising
Implies guaranteed loan approval. Banned in most states for consumer credit products.
Urgency phrases without disclosure
Marketing urgency without STOP/HELP keywords. Carriers throttle or block your numbers.
Kickback-implying language
Mentions of “referral bonus” or compensation to settlement service providers. RESPA Section 8 risk.
“In our first 90 days with moatis, we blocked 47 TCPA-violating sends that would have triggered class action exposure. The dashboard pays for the entire seat license every quarter.”
Sarah Kim
Chief Compliance Officer, Northwind Mortgage
The compliance and trust layer for every AI-powered customer interaction.