Mortgage Collections and Loss Mitigation AI: Meeting CFPB Servicing Rules Without Manual Intervention

An AI System That Contacts a Borrower Mid-Review Isn’t Efficient. It’s a Violation. TL;DR A mortgage servicer’s AI collections system flags a delinquent account for outreach. The borrower submitted a loss mitigation application eleven days earlier. It’s still under review. The system doesn’t know that, because nobody wired loss mitigation status into the contact decision. […]


