Automated Audit
Marshall
2–5%
Manual QA
100%
Marshall
Marshall enforces controls at the LMS level against a live repository of state and federal law — reviewing every interaction and account event in real time, not a fraction of them.
What it does
Marshall is not a call monitoring tool. It is an automated audit engine that operates at the LMS level. It maintains a continuously updated repository of state and federal law — CFPB, FDCPA, Reg F, UDAAP, OCC guidance, and state-specific collections and servicing statutes — and compiles that law into an enforceable rule set. Those rules are applied in real time against 100% of interactions and account-level events: not just calls, but payment posting, account status changes, notice dispatch, repossession triggers, right-to-cure windows, and account restarts. Most lenders manually review 2 to 5 percent of calls and nothing else. Marshall closes that gap — and then closes the gap between what the law requires and what the servicer is actually doing.
Key capabilities
100% review of calls and consumer interactions
Versus sampled manual QA at 2–5%
Real-time scoring of account-level events and actions
Not just conversations — payment posting, notices, repossession triggers
Automated complaint detection and tagging
Real-time violation flagging routed to a remediation queue
Full audit trail for every account event
State-level law ingestion and right-to-cure lifecycle auditing
SOP drift detection
Examiner-ready and exam-on-demand audit export
Model risk management (MRM) governance documentation
How it works
Marshall closes the full loop from law to enforcement: regulatory feeds are ingested and compiled into rules, those rules pass through a lender approval workflow, approved rules deploy to a runtime engine, and every account event is scored against them continuously.
Violations surface to an audit dashboard and route automatically to remediation queues. The result is a single system that traces a clean line from law → rule → LMS control → audit finding → remediation — covering the entire regulatory surface area, not just the conversations regulators can hear.
Outcomes
Reduction in exam findings
100% interaction and account-event coverage versus a small sample rate
Faster SOP update cycles
State-level compliance enforcement (e.g. repossession-cancellation timing)
An audit trail that withstands regulator requests
Demonstrable MRM governance for model risk teams
Compliance
Marshall covers the full regulatory surface area across federal and state law, turning each framework into an enforceable rule set that every interaction is scored against in real time.
Frameworks: CFPB, FDCPA, Reg F, UDAAP, OCC expectations, and state-level collections and servicing law
Ready to see it in production?
Most deployments go from signed SOW to production in 60–90 days.
