LASER COMPLY

COMPLY: automated lending compliance software, native to Salesforce.

Every credit decision your team makes sits inside a web of federal requirements — FCRA, ECOA, GLBA, OFAC, BSA/AML, and now CFPB Section 1033. COMPLY embeds those safeguards directly into your Salesforce credit workflow, so compliance happens as a dependable part of the process — not a scramble before the exam.

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Trust in every decision with built-in regulatory safeguards.

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The problem

Compliance lives outside the workflow.

Most lenders don’t fail exams because they don’t know the rules. They fail because the evidence lives everywhere except the loan file: permissible purpose documented in one system, OFAC checks in a spreadsheet, score factors buried in a PDF report, access controls managed by hand.

And the risk isn’t limited to missing paperwork. Consider a synthetic identity: when an applicant fabricates an identity from fragments of a real person’s data and you pull credit on it, you are actually running the credit of someone else — a real consumer who never applied, never consented, and for whom you have no permissible purpose. That is a violation of the FCRA. Without identity verification sequenced before the pull, your workflow can commit that violation without anyone on your team ever knowing.

When compliance is separate from the workflow, it depends on people remembering. When it’s embedded in the workflow, it depends on the process — and the process runs the same way every time.

The philosophy behind COMPLY:Consistency of process. Identical loans scored identically — and documented identically.

What it automates

What COMPLY automates.

Six regulatory frameworks, each expressed as a step in the workflow rather than a policy your team has to remember to follow.

FCRA — permissible purpose and legal basis, on every pull

Every credit request through LASER carries a configured permissible purpose code, transmitted to the bureau and recorded in Salesforce. There is no path to an undocumented pull — the purpose is part of the request itself, and the Credit Report Log preserves the audit trail automatically.

Permissible purpose has a second dimension most lenders overlook: it must attach to the right consumer. If an applicant presents a synthetic identity and you pull credit on it, you are running the credit of someone else — a real person who never applied and never consented. That is an FCRA violation, because you have no permissible purpose as to that consumer. COMPLY protects your legal basis by letting identity verification and screening gate the credit request, so the pull happens only after you’ve confirmed who is actually applying.

ECOA / Regulation B — the data your adverse action notices require

When a report comes back, the score factors and reason codes your adverse action notices depend on are parsed into clear Salesforce fields on the applicant’s record — not left inside a raw report attachment. Your team has transparent, consistent access to the information Regulation B and FCRA notices require, for every applicant, every time. Paired with automated underwriting, the rule path that produced the decision is recorded alongside it.

OFAC and BSA/AML — screening that gates the decision

COMPLY runs restricted-party screening against the U.S. Consolidated Screening List, maintained by the International Trade Administration, directly in Salesforce. Configure it to run automatically with every credit request — or to require a clear result before the credit report can be pulled at all. Watchlist screening becomes a sequenced, enforced step, with every result stored on the record. For the underlying obligations, see our lender’s guide to AML and KYC requirements.

GLBA Safeguards — access controls and data minimization, by design

The Safeguards Rule expects you to control who can see customer information. LASER’s permission model enforces it: role-based access determines who can run and view reports, and personal credit reports are visible only to the user who pulled them. And because of LASER’s zero-intermediary architecture, borrower data flows directly between your Salesforce org and the bureau — consumer credit data and borrower PII never pass through LASER-operated infrastructure. Fewer places data lives, fewer places it can leak. Our FTC Safeguards Rule compliance framework walks through all nine requirements of 16 CFR 314.4.

CFPB Section 1033 — a data posture that’s already aligned

Section 1033 is pushing the industry toward consumer data ownership and away from intermediaries that warehouse borrower information. LASER’s architecture was built that way from the start: your institution holds the data, in your org, under your controls. There is no LASER-side data store to reconcile, disclose, or defend.

Portfolio Review — compliance checks at scale

Regular account reviews and audit preparation don’t have to be manual. Portfolio Review runs bulk credit pulls across many records at once — designed for portfolio analysis, periodic compliance checks, and generating a clean audit trail on demand.

Why it ships ready

Pre-built. Pre-configured. On the AppExchange since 2013.

Every safeguard on this page ships pre-built and pre-configured — installed from the Salesforce AppExchange, not assembled by your IT team or a consultant. More than 150 financial institutions — banks, credit unions, mortgage lenders, fintechs, and CDFIs — run their credit and compliance workflow on LASER today.

COMPLY works alongside the other two engines of the LASER suite: ACCESS aggregates credit and identity data from Experian, Equifax, TransUnion, and Plaid, and DECIDE applies consistent, auditable decisioning rules. Together they streamline the entire lending lifecycle — data, decision, and compliance — in Salesforce.

Compliance is one of three engines, not a bolt-on

COMPLY pairs with ACCESS (data) and DECIDE (decisioning) to handle the full lending lifecycle inside Salesforce. See the complete picture.

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KYC in the lending workflow

KYC in lending is an evidence problem, not a checkbox

Lenders covered by the Bank Secrecy Act carry four KYC obligations that run through origination: a Customer Identification Program that collects and verifies identifying information, identification of the beneficial owners behind legal-entity borrowers, a risk profile grounded in the nature and purpose of the relationship, and ongoing monitoring that keeps all of it current. The first two are discrete tasks. The second two never stop — and that asymmetry is where documentation usually thins out.

The gap is rarely the check itself. Teams run identity verification and watchlist screening, read the result, and make the right call — but the evidence lives in a bureau portal or a screening tool while the decision lives in Salesforce. What reaches the loan record is an outcome without its proof. At examination, a file that shows a risk rating with no reasoning behind it looks the same as a file nobody reviewed.

COMPLY closes that gap by making the verification trail a byproduct of origination. Identity and watchlist results return as structured Salesforce objects on the borrower record, timestamped and attached to the credit pull they gated, alongside the permissible-purpose documentation the FCRA requires. For the underlying obligations in detail, see the lender’s guide to AML and KYC requirements and what customer due diligence actually requires.

Frequently asked questions

Common lending compliance questions.

Is COMPLY a substitute for a compliance program or legal counsel?

No. COMPLY embeds regulatory safeguards into your credit workflow — screening, permissible purpose, access controls, and audit trails — so your program runs consistently. Your policies, training, and legal interpretations remain yours; consult your legal counsel to confirm your institution's specific obligations.

Does COMPLY work for credit unions?

Yes. Credit unions are among the 150+ institutions using LASER, and the same embedded safeguards — FCRA permissible purpose, OFAC screening, GLBA-aligned access controls, and audit trails — apply to credit union examination requirements.

How does COMPLY help with GLBA Safeguards Rule compliance?

Two ways: enforced role-based access to customer information inside Salesforce, and a zero-intermediary architecture in which borrower data never passes through LASER's infrastructure — reducing your third-party data footprint. Read our FTC Safeguards Rule compliance framework for the full picture.

Can OFAC screening be required before a credit pull?

Yes. COMPLY can be configured so the credit report is pulled only when the OFAC check returns no match; otherwise the pull is stopped and an error log is created for review.

How does COMPLY support KYC in lending?

KYC in lending is an identity obligation that has to survive examination, not just a step someone completed. COMPLY captures the verification evidence on the borrower record as origination happens — which identifying information was collected, how it was verified, the watchlist and OFAC screening result with its timestamp, and the permissible purpose behind the credit pull. Because that trail is a byproduct of the workflow rather than a separate reporting exercise, a file sample can show what was checked and when without assembling it from three systems.

Can COMPLY document beneficial ownership for entity borrowers?

Yes. Legal-entity borrowers require beneficial owners to be identified under both tests of the CDD Rule — the ownership prong (each individual holding 25 percent or more) and the control prong (one individual with significant managerial responsibility). COMPLY keeps those identifications, and the verification behind them, on the same Salesforce record as the credit decision they informed, including the ownership chain where it runs through intermediate entities.

Does LASER store borrower data?

No. Consumer credit data and borrower PII flow directly between your Salesforce org and the data source. LASER-operated infrastructure never stores or passes borrower data — proper data ownership stays with you and your borrower.

This page describes software capabilities and is provided for general information only. It is not legal advice and does not replace your institution’s compliance program. Consult your legal counsel to confirm your specific obligations under the FCRA, ECOA/Regulation B, GLBA, OFAC, and BSA/AML requirements.

Keep exploring

Make compliance the most dependable part of your process.

See COMPLY inside a live Salesforce workflow — permissible purpose, screening, and audit trails, all pre-built.

Your credit solution, simplified. Your future, clarified.