Built to be audit-ready under
- ECOA
- TILA / Reg Z
- FCRA
- SAFE Act
How it works
The same file, fanned out — without hard-credit damage.
Rivven collects the application once, scores it against every partner's product and risk rules in parallel, and shows the borrower a ranked list — not a single opaque quote.
- 01
Borrower submits one application
One short form. Rivven only does a soft-credit pre-qualification at this stage — no hard-pull damage across the partner network.
- 02
Matching engine scores the file
Pricing, risk appetite, and product fit for every partner bank run through Rivven’s scoring model in seconds, with ATR affordability overlays applied first.
- 03
Borrower sees a ranked offer list
A transparent ranked list — APR range, term, monthly payment, and total cost — instead of a single opaque quote. The borrower stays in control.
- 04
Partner originates the chosen loan
The borrower accepts one offer; the partner bank takes the application through closing. Rivven collects a share of interest earned on the funded, active loan.
Why Rivven
The old rate-shopping flow was built for the lender. Rivven is built for the borrower and the partner.
Old way
Multi-day shopping, hard pulls, opaque auctions.
Rivven
One form, one soft pull, a ranked list in seconds.
Application
One offer, one bank, one quote.
Credit impact
Hard pulls across every shopping site.
Pricing
Lead-auction model — your data sold, price set by who bids.
Disclosure
Compliance reviews re-built per partner, per channel.
Application
One application, multiple ranked offers.
Credit impact
One soft pull up front. Hard pull only on the loan you accept.
Pricing
AI-priced file routed to the partner whose products fit it best.
Disclosure
Full ECOA, TILA/Reg Z, FCRA, and SAFE Act audit trail — captured once.
How Rivven earns
Revenue aligned with loan performance — not with who bid the most for your file.
Rivven collects a share of interest from the partner bank that funds and services the loan, on every originated and active loan. The product has no incentive to maximize lead volume or to push the highest-bid offer.
Routing is price-only and product-fit-only. Partners see a clean file, never the names of the other bidders.
Our revenue is a share of interest the partner earns on the funded loan — so missing payments, prepayments, and defects affect us too.
Disclosure, consent, and fair-lending audit trail are captured during the same flow that handles matching, so the regulator sees one log, not three.
Compliance
Every match produces a complete, regulator-grade audit trail.
Rivven doesn't bolt disclosure on top of the flow — it captures it during the flow. Compliance teams get one log, with full provenance, that defends fair-lending treatment under the regimes below.
- ECOAEqual Credit Opportunity Act
Notice of incomplete/denied applications, reasons, and timing.
Adverse-action notice package with the specific principal reasons.
- TILA / Reg ZTruth in Lending
APR, finance charge, payment schedule, total cost disclosures.
Standardized disclosure packet at application, approval, and closing.
- FCRAFair Credit Reporting Act
Permissible-purpose certification before each bureau pull.
Investigable log of every consumer report request and response.
- SAFE ActSecure and Fair Enforcement
Loan originator registration, NMLS lookup, and verification trail.
Per-loan originator audit packet retained for the regulatory window.
Audit logs retained for the regulatory window per regime, with a single per-loan evidence bundle exportable to compliance and FLMs.
FAQ
Common questions, with answers a compliance officer would accept.
Have a question not covered here? Email the team directly.
rivven-2@polsia.appTalk to us
One email. We'll route you to the right desk.
Borrowers, partner banks, and credit unions all reach the same inbox — we triage within one business day.
rivven-2@polsia.app