Serve your members better — without a PhD in model risk.
Credit unions carry a mission obligation to serve members fairly that goes beyond regulatory compliance. Prism Layer gives you explainable underwriting infrastructure that your NCUA examiner understands — adverse action documentation derived from actual policy factors, monthly fair lending disparity reporting, and SR 11-7-aligned model governance documentation — at a price point built for institutions under $2B in assets running under 2,000 consumer decisions per month.
Request DemoCredit unions face the same regulatory scrutiny as banks — with a fraction of the infrastructure budget.
NCUA exam teams have sharpened their model risk guidance. Disparate impact testing, adverse action documentation, and policy version control are no longer optional for credit unions with active consumer lending programs — but enterprise vendors price accordingly.
NCUA model risk guidance without a model risk team
Many credit unions run their underwriting on a combination of FICO cutoffs and officer judgment. When an examiner asks for a model validation package, the answer shouldn't be "we don't have one."
Member fairness is a mission obligation, not just compliance
Credit unions have a field-of-membership mandate. When a member is declined, they deserve a clear, accurate reason — not a generic adverse action notice generated from a black-box score.
Enterprise pricing for sub-enterprise volumes
Most advanced decisioning vendors require minimum commitments that only make sense above $500M in consumer loans under management. Credit unions under that threshold have been left with spreadsheets and manual review queues.
Integration complexity with core systems
Credit union core platforms vary widely. Connecting a new decisioning layer to your core and your LOS used to require custom integration work on both ends — and a vendor willing to take the project.
Examiner-ready underwriting, sized for credit unions.
Prism Layer's Starter tier was designed for institutions running under 2,000 consumer decisions per month — the volume range where most credit unions sit. Full Rules Studio, ECOA adverse action, audit log, and REST API from day one.
Rules Studio for credit officers
Credit officers write and maintain policy in plain-language rule format — no coding required. Conflict detection flags when rules contradict each other. Version history means any historical decision can be traced to the exact policy version active at origination.
Rules Studio detailsMember-grade adverse action
When a member is declined, the system generates a Reg B adverse action notice that accurately reflects the decision factors — not a fallback generic code. Fair lending disparity reports run monthly against your actual decisioned population.
Fair Lending moduleCore + LOS integration
REST API and batch CSV ingestion cover the integration patterns that most credit union cores and LOS platforms support. We handle the field mapping from your data model to the decision engine inputs — no custom middleware contract required.
Integration detailsEnterprise features, community institution pricing.
The Starter tier at $1,200/month covers up to 2,000 decisions per month with full Rules Studio, ECOA adverse action, 90-day audit log, and REST API. When your volume grows, Professional adds shadow mode, fair lending diagnostics, and 24-month retention — no re-implementation required.
Bring your member application tape.
30-day scoped evaluation on your historical member applications. No production changes, no commitment. You walk away with a documented decisioning baseline and a working adverse action demo against your own data.
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