Compliance and governance, built in.
Salient is designed for the way US lenders are examined – with clear policies, controlled changes, automated testing, and strong documentation.
Supervisory Alignment
Built around how exams really work
We align our approach with the structure and expectations in supervisory guidance and exam manuals from agencies like the CFPB, OCC, FDIC, NCUA, and state regulators.
Laws & Regimes We Design Around
Anchored to key US consumer-lending laws
Regulatory laws
Unfair, Deceptive, or Abusive Acts or Practices (Dodd-Frank)
State-level debt-collection and lending rules (customized per client)
Equal Credit Opportunity Act (ECOA) / Reg B
Lending rules
Truth in Lending Act / Reg Z
Protections
FDCPA – Limits on abusive debt-collection practices
SCRA / MLA – Service member protections
Reporting acts
Fair Credit Reporting Act (FCRA)
Trust Through Testing
Automated testing for every change
Model & Policy Governance
Structured change control you can explain to regulators
Versioned prompts, flows, policies, and configurations
Approval workflow involving risk, compliance, and operations
Clear separation between staging and production
Audit log of what changed, when, and who signed off
Evidence & Audit Packs
Exam-ready documentation, one click away
Interaction samples keyed to policies or time periods
QA/Marshall findings and remediation logs
Volumes, error rates, and complaint trends
Description of controls and testing methodology