Sapot Systems supported a mission-critical application used to determine customer eligibility across auto, mortgage, and personal loan products — one of the most heavily regulated financial environments in the United States. Calculation logic was aligned to OCC and CFPB expectations, with full auditability and traceability required on every decision path.
Loan eligibility calculation engines built to withstand OCC and CFPB scrutiny.
Sapot Systems supported a mission-critical application used to determine customer eligibility across auto, mortgage, and personal loan products — one of the most heavily regulated financial environments in the United States. Calculation logic was aligned to OCC and CFPB expectations, with full auditability and traceability required on every decision path.
Engagement details: Team: 5 engineers · Duration: 2 years · Environment: OCC/CFPB-regulated
What we delivered:
- Loan eligibility calculation engines across three lending product lines
- OCC and CFPB-aligned calculation logic with full audit trail
- Enhanced auditability and traceability of all income calculation decisions
- Production-scale delivery in a zero-tolerance regulatory environment
Results:
40%reduction in manual review workload- Improved decision accuracy across all lending products
- Full auditability and traceability of income calculations
Relevance to federal: OCC and CFPB compliance requirements — documentation standards, decision traceability, and regulatory audit readiness — are a direct analog to federal financial and program management compliance obligations.
