DESIGN NEW TERMS WITH POLICY
Our Academic Research + Your In-House Counsel
We are a neutral, independent, academic research and compliance body. We serve as your knowledge partner producing structured, evidence-based deliverables to be vetted by your own general counsel (or retained law firm) before adopting our recommended enhancements.
These proactive modernization options + comparative analysis (old clause vs. modernized clause + compliance rationale), you can eliminate the upfront legwork of developing an expertise.
Demand for Financial Transparency & Fairness
Surveys show consumers are more skeptical of financial institutions than ever. According to the Edelman Trust Barometer and CFPB complaint data, people expect transparency in contracts, fees, and dispute processes. Hidden or vague terms (e.g., perpetual assignment rights, waiver of consumer protections) increasingly trigger regulatory complaints. Borrowers are increasingly challenging assignments, endorsements, and servicing transfers in court. Younger consumers are especially willing to walk away from, or litigate against institutions they see as unfair.
CFPB & Regulatory Pressure
The CFPB, OCC, and state AGs are intensifying enforcement of UDAAP/UDAP. Regulators are specifically targeting contract terms that obscure consumer rights, such as arbitration clauses, perpetual assignment language, and lack of indemnity. The CFPB’s Office of Supervision Policy has flagged “boilerplate” contract reliance as a systemic risk.
Show that your organization is ahead of the curve in consumer protection by modernizing now.
Digital Consumer Empowerment
Access to public filings (SEC/EDGAR, MERS, court dockets) and fintech tools means consumers can investigate their own loans like never before. Social media influencers and artificial intelligence resources now teach consumers how to accurately question assignments, PSAs, and disclosures. Consumers are perfecting legal theories and their expectations of fairness are rising rapidly. They know the debt collection is unenforceable and they are quickly figuring out how to prevail.
Your institution needs modernization and training so your staff can confidently answer these challenges with enforceable, transparent documentation.
WHAT CLIENTS SAY ABOUT US
About Serv
Our Story
At Serv Inc., we believe when we Serv together, we Soar together. Our passion for research is your key to risk mitigation as your organization makes it possible for consumers to access credit. You carry a responsibility to ensure that your function on the market benefits not only your employees but the wider community you serve.
That’s where we come in. We partner with corporations and government agencies to build finance structures and business operation plans that strengthen compliance, to modernize contracts, and to deliver unbiased consumer investigations. The result is a stronger, more resilient institution. One that protects its people, reduces risk, and positions itself for long-term growth.