Stop scrambling.
Start automating.
Civrel automates DMDC verification, eligibility determination, rate calculations, and audit documentation—so you can defend every decision when regulators come knocking.
Enforcement is at an all-time high. Most institutions aren't ready.
The December 2024 DOJ/CFPB joint notification letter made it clear: institutions must proactively check the DMDC database—not wait for servicemembers to request benefits.
Yet fewer than 10% of eligible auto loans receive the required rate reduction. Most compliance teams still run manual DMDC lookups, track deadlines in spreadsheets, and draft letters in Word.
When examiners arrive, they scramble to reconstruct audit trails from fragmented records across email, shared drives, and institutional memory.
Recent DOJ Enforcement
One platform for the entire SCRA lifecycle
From intake to resolution—verification, eligibility, calculations, deadlines, and documentation. Built for banks, credit unions, mortgage servicers, auto lenders, property managers, and law firms.
DMDC Verification
Single and batch lookups against the Defense Manpower Data Center. Real-time active duty status with verifiable certificates.
Eligibility Engine
Statutory logic for every protection: rate caps (§3937), foreclosure (§3953), repossession (§3952), default judgments (§3931).
Rate Calculations
6% cap calculations for simple, amortized, and revolving credit. Retroactive refund calculations with full audit trail.
SLA Tracking
Configurable deadline monitoring with visual status indicators and automated alerts before you miss a deadline.
Document Generation
Template-driven letters with statutory citations for acknowledgment, approval, denial, and rate adjustment.
Handoff Exports
Structured exports for core banking, loan servicing, general ledger, and regulatory reports.
Built for your compliance reality
Banks & Credit Unions
Consumer loan portfolios with thousands of accounts to screen before rate adjustments or collection actions.
Learn moreMortgage Servicers
Foreclosure timelines paused mid-process. CFPB expects documentation you can't produce manually at scale.
Learn moreAuto Lenders
One wrongful repossession triggers DOJ enforcement. You need verification before every repo decision.
Learn moreProperty Management
Lease terminations with 30-day notice requirements. Security deposit timelines that don't pause for your workflow.
Learn moreDebt Collectors
Pre-collection screening on every account. Active duty status changes mid-collection cycle.
Learn moreLaw Firms
Managing SCRA compliance across multiple institutional clients. Court deadlines that don't sync themselves.
Learn moreSee Civrel in action
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Built by Mario Bailey, U.S. Air Force veteran. Saw the gap between what servicemembers are entitled to and what institutions can realistically track. Built Civrel to close it.