Use cases
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Lending
Another look at the whole book
Reviewed at application, monitored through servicing. All tested against your policies and fair lending rules. Credit where credit is due.
What Narrative does
Narrative pulls each file’s records together, wherever they live, and checks the decision against the policy that should have governed it. What passed, what didn’t, and the evidence for both stay on the record.
How it works
01
Connect the evidence
Bring applications, supporting documents, decision data, communications, and account activity together, with each assessment linked to its source.
02
Apply your standards
Narrative checks lending activity against your approved policies, defined calculations, and applicable requirements across products and channels.
03
Route the decisions
Send exceptions and supporting evidence to the right reviewers, following your approval authority and escalation procedures.
04
Preserve the record
Maintain records, checks, exceptions, decisions, and resolution evidence so your team can reconstruct a review and see patterns across the lending program.
Where it applies
ECOA / Regulation B
Fair lending, application handling, and adverse-action notices
TILA / Regulation Z
Credit disclosures, lending terms, and applicable servicing requirements
FCRA / Regulation V
Credit-report use, furnishing accuracy, and credit-reporting disputes
UDAAP
Unfair, deceptive, or abusive acts or practices across lending and servicing