Most lenders already run their business in Salesforce. The problem is that the work around the loan — pulling credit, verifying identity, making a defensible decision, and staying compliant — usually happens somewhere else. Reports get pulled in a bureau portal. Decisions live in a spreadsheet or someone's head. Compliance checks happen after the fact, if at all. And borrower data ends up scattered across systems you don't fully control.
We built LASER Credit Access to close that gap, and we've just expanded it on Salesforce AgentExchange into a complete credit-and-compliance suite organized around three engines: ACCESS, DECIDE, and COMPLY. Here's what each one does and why it matters if you lend money.
The cost of bolting credit tools onto your lending stack
Every hand-off between systems is a place for things to break: data re-keyed by hand, an identity check skipped under deadline pressure, a decision no one can explain six months later when an examiner asks. For regulated lenders, those gaps aren't just inefficiency — they're risk. The fix isn't another portal. It's bringing credit data, decisioning, and compliance into the environment you already work in.
ACCESS: credit and identity data without leaving Salesforce
ACCESS pulls unified credit, identity, and verification data straight into your Salesforce records — from Experian, Equifax, TransUnion, MeridianLink, Plaid, and a broad network of resellers. Instead of logging into a separate bureau portal and copying results back, your team retrieves what it needs where it already works. One environment, consistent data, no swivel-chair.
DECIDE: consistent decisions you can actually defend
Pulling a report is the easy part; deciding what to do with it consistently is harder. DECIDE applies configurable scorecards and decision rules so the same inputs produce the same outcome every time — and so every decision leaves an audit trail. That consistency is good business, and under ECOA / Regulation B it's also the difference between a process you can defend and one you can't. Identical applications should be scored identically, and DECIDE is how you prove it.
COMPLY: regulatory safeguards built into the workflow
Compliance works best when it's part of the process, not a review that happens afterward. COMPLY embeds the major regulatory checkpoints — FCRA, ECOA / Regulation B, GLBA, OFAC, BSA / AML, and CFPB Section 1033 — directly into the workflow, so the guardrails are there at the moment a decision is made rather than discovered in an audit later.
Catching fraud before the decision, not after
The same identity verification and watchlist screening that power ACCESS and COMPLY also work as an early fraud filter. By confirming an applicant's identity, flagging address and data discrepancies, and screening against OFAC and BSA / AML lists before a decision is made, you catch problems earlier — protecting your capital and giving legitimate borrowers added assurance that their identity is being handled carefully. (If fraud prevention is top of mind, our piece on AI fraud detection for lenders goes deeper.)
The part that matters most: your borrowers' data never passes through us
This is the architectural choice we care about most. The LASER application runs inside your own Salesforce instance. Bureau calls originate from your environment and travel directly to the bureau or your chosen reseller. LASER never receives, stores, processes, or routes consumer credit data or borrower PII through any infrastructure we operate. Data ownership stays where it belongs — with you and the borrower. For a GLBA-regulated institution, fewer parties touching sensitive data is simply a smaller attack surface and a cleaner compliance story.
Who it's for
LASER Credit Access serves mortgage lenders, fintech companies, equipment-finance and commercial lenders, banks, credit unions, nonprofits, and CDFIs — any organization that needs accurate, compliant credit data inside Salesforce. More than 150 financial firms have relied on LASER as the compliant layer between them and the bureaus.
See it on AgentExchange
LASER Credit Access is available now on Salesforce AgentExchange. If you're a lender who wants credit retrieval, decisioning, and compliance to live in one place — your place — take a look at the listing, or get in touch and we'll walk you through ACCESS, DECIDE, and COMPLY.