Built so the rules are enforced by software, and chosen by you.
Everlend is a technology provider. Your company decides which leads to load, what the agent says, when it may call, and when a campaign starts, in your own portal session, with every decision signed and logged. The platform makes it impossible to do those things any other way.
- Consent before dialingTCPA, 47 CFR 64.1200(a)(3); FTC TSR 310.5(a)(8)A lead cannot be dialed without a structured consent record: the consent text as shown, source, timestamp, method, the company named, and corroborating data. Uploads are rejected row by row without it.
- Do-not-callNational DNC, state lists, internal DNC, revocationsScrubbed before every attempt, not once per campaign. A request to stop takes effect immediately across all campaigns and is written to your CRM.
- Calling hours8 am to 9 pm local federally; Florida 8 am to 8 pm and three attempts per 24 hours; other state rulesEnforced by the called party’s local time at the moment of dial, with your tighter window on top.
- Identification and disclosureTCPA artificial voice rules; Utah and Maine AI disclosure; platform acceptable useThe first sentence states your legal name, that the caller is an assistant, and that the call is recorded. Timestamp of the disclosure is stored with every call.
- Opt-outAutomated opt-out within two seconds of identification; honored within ten business days by ruleVoice and keypad opt-out are always available. Everlend honors it in the same call, not within ten days.
- Recording consentAll-party consent states: CA, CT, DE, FL, IL, MD, MA, MT, NV, NH, OR, PA, WARecording notice is spoken on every call. You choose recording on or off per state in the portal and acknowledge the two-party handling.
- Mortgage scopeSAFE Act and Regulation H 1008.103The agent may identify, confirm interest, collect contact details and book. It may not present rates, APR, payments, fees, programs or eligibility, or take an application. Every utterance is screened after the call and flagged for review.
- RecordsFive-year retentionConsent, DNC results, call recordings, transcripts, disclosures and opt-outs are retained for five years with legal hold, and exportable in one click.
- Caller identitySTIR/SHAKENCalls originate from numbers you own on your account, signed with full attestation. Transfers are bridged, not forwarded, so attestation is preserved.
Who does what
The split is deliberate, and it is written into the agreement and the product the same way.
Your company
- Supplies leads and the consent evidence for each
- Authors and approves the script of record
- Selects phone numbers and caller ID name
- Sets calling hours, states and retry rules
- Connects its own calendars and CRM
- Starts and pauses every campaign
- Signs each onboarding gate before go-live
Everlend
- Refuses to dial without consent on file
- Scrubs DNC and enforces hours on every attempt
- Delivers disclosure and records its timestamp
- Honors opt-outs in the same call
- Keeps the agent inside SAFE Act scope
- Retains records five years and exports the trail
- Suspends a campaign on notice of a problem
Sub-processors and data handling
Lead data is treated as non-public personal information under GLBA. The agent never receives Social Security numbers, account numbers or application data. Audio and transcripts are stored in Everlend’s own encrypted storage. Current sub-processors: Retell (voice agent runtime), xAI (speech model), Telnyx (telephony and SMS), Supabase (database and storage), Cloudflare (hosting and analytics), Stripe (billing), Resend (email), Cal.com (scheduling), Documenso (signatures). Changes are announced to every client 30 days ahead.
This page describes product controls. It is not legal advice. Your counsel reviews scripts, consent flows and the agreement before your first campaign; ours does the same.