🚀 HarmCheck™ is featured alongside AI giants in Forbes! Read the latest article on AI-enhanced communication.
By Alphy
Stop unfair lending at the source.
HarmCheck is the first technology that scans lending communications in real-time to detect and stop language signaling discriminatory practices. As regulators shift focus from disparate impact to disparate treatment, HarmCheck helps lenders stay compliant by identifying risks the moment they arise.
Unlike tools that only analyze lending patterns after loans are made, HarmCheck flags risks as messages are written, protecting your brand, reputation, and bottom line. It also transforms your data into actionable insights to strengthen compliance, advance your team, and safeguard your company.
A smarter, more cost-effective compliance system
Cost-reducing: Avoid fines, lawsuits, and staffing costs.
Scalable: Works for small teams or nationwide lenders.
Proactive: Identifies biased or unlawful language before it’s sent, preventing regulatory breaches.
Smart: Delivers high-accuracy analytics for discovery, audits, and unmatched insights to protect and drive growth.
Compliance shouldn’t wait until after the harm is done.
Surface, stop, analyze
Surface: HarmCheck scans every message in real time to surface language that could suggest bias or unfair lending practices—before it becomes a problem.
Stop: If a risky message is sent, HarmCheck automatically pauses it for review, stopping potential violations before they reach customers or regulators.
Analyze: HarmCheck’s analytics dashboard reveals patterns in communication, helping compliance teams identify blind spots and proactively reduce risk.
What HarmCheck catches
HarmCheck is trained to identify discriminatory and unfair lending language in real time before it escalates into a compliance violation. That includes:
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Race
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Color
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National origin
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Age
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Public assistance income
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Disability
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Gender
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Sexual orientation
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Religion
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Marital status
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Familial status
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CCPA rights
Built for every type of lender
Whether you’re a bank, credit union, mortgage lender, broker, dealer, or part of the automotive industry, HarmCheck gives you real-time protection against unfair lending risks—without slowing you down or driving up costs.
Large Banks
When compliance leaders face pressure to cut costs without increasing risk, HarmCheck delivers. Our SOC 2-certified platform reduces staffing strain while enhancing real-time oversight—an easy win for executive teams.
Small and Community Lenders
With lean compliance resources, smaller lenders rely on HarmCheck as an always-on watchdog, staying aligned with regulatory expectations without adding overhead.
Mid-size and Regional Players
Growth and acquisitions often bring regulatory scrutiny and stretched teams. HarmCheck adapts fast, helping you stay compliant during transitions without extra headcount.
Non-Bank, Mortgage, and Auto Lenders
High-volume operations can’t afford delays. HarmCheck keeps every message within legal boundaries, so loan officers and finance managers can move quickly, without putting your business at risk.
"Alphy has built an impressive Al communication compliance technology that detects unfair lending in real time rather than after the harm has occurred. We've all seen how internal communications, whether intentional or careless, can come back to haunt a company and end in litigation, brand damage, and regulatory fines."
Tory Haggerty - best-selling author of Unfair Lending: Why Discrimination In Banking Still Exists And How to Prevent It, and compliance professional.
