By Alphy
Stop unfair lending and housing discrimination
Real-time communication compliance
HarmCheck scans communications in real time to detect and stop language that could lead to disparate treatment or disparate impact—whether in loan offers, rental agreements, tenant correspondence, or internal messages. As enforcement attention intensifies across both lending and housing, HarmCheck helps organizations stay compliant before harm occurs.
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.
How It Works (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
Covered Protected Attributes
Race • Color • National Origin • Religion • Sex / Gender • Age • Disability • Marital Status • Familial Status • Sexual Orientation • Source of Income / Public Assistance
Lending Risk Scenarios
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Biased pricing / interest rate language
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“We prefer borrowers from this ZIP code/ethnic area”
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Statements about credit history that disparately exclude groups
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Inaccurate denial rationale or using proxy language
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Internal underwriting / override chats that reflect bias
Housing / Leasing Risk Scenarios
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Statements rejecting voucher or income assistance
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“No children allowed / children not preferred”
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Denial of reasonable accommodation or modification requests
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Differential terms, deposits, pet or service animal policies
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Advertisements with exclusionary language
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Tenant / applicant communications showing disparate treatment
Built for Lending and Housing Compliance Teams
Whether you’re a bank, credit union, mortgage lender, property manager, or real estate professional, HarmCheck gives you real-time protection against unfair lending and housing risks—without slowing your operations or driving up costs.
Lenders, Credit Unions, Mortgage Brokers
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Ensure all borrower communications (offers, underwriting, follow-ups) are fair and compliant
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Monitor internal dialogues and overrides for bias
Landlords, Property Managers, Real Estate Firms
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Detect unfair language in leasing, tenant queries, maintenance responses, eviction notices
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Help enforce fair housing policies and avoid discriminatory treatment
Regulatory Foundation
Stay compliant with ECOA, the Fair Housing Act (FHA), HUD rules, and local housing ordinances
HarmCheck is designed to flag language that could violate anti-discrimination laws in both credit and housing. Our models are updated to reflect evolving regulatory guidance and can be customized to local jurisdictional rules.
"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.
