FACT Act RBPN Mailer

Ensure FACT Act compliance with automated Risk-Based Pricing Notices delivered accurately and on time, every time.

Automated Compliance with Risk-Based Pricing Notice Requirements

The Fair and Accurate Credit Transactions (FACT) Act requires lenders to provide Risk-Based Pricing Notices (RBPN) to borrowers who receive less favorable terms based on their credit information. SettlementOne’s automated RBPN Mailer service ensures complete compliance by generating and delivering required notices based on your lending decisions.

This automated service eliminates the manual work and compliance risk associated with RBPN requirements, ensuring every borrower receives proper notification while maintaining complete audit trails for regulatory examination.

Key Features

Automated Generation: Notices created automatically based on lending decisions
Pre-Configured Templates: Compliant notice formats meeting all regulatory requirements
Automated Delivery: Direct mailing to borrowers without manual intervention
Audit Trail Maintenance: Complete documentation of notice generation and delivery
Exception Handling: Clear processes for special situations
Compliance Updates: Templates updated automatically for regulatory changes

How It Works

When credit decisions trigger RBPN requirements, our system automatically generates appropriate notices using compliant templates. Notices are mailed directly to borrowers within required timeframes, with complete documentation maintained for your compliance records. The automated process ensures no notices are missed while reducing administrative burden.

Compliance Coverage

Trigger Identification:

Automatic detection of loans requiring RBPN based on your parameters.

Notice Generation:

Creation of compliant notices with all required disclosures and information.

Timely Delivery:

Automated mailing ensures delivery within regulatory timeframes.

Documentation:

Complete records for compliance audits and examinations.

Why SettlementOne

FACT Act compliance doesn’t have to be complicated or risky. Our automated RBPN service removes the guesswork and manual effort from this important requirement. By integrating RBPN delivery into your credit reporting workflow, we ensure consistent compliance while freeing your team to focus on serving borrowers rather than managing mailings.

Keep Every Loan Moving Forward

SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.

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