Legal Compliance & Standards

OriumAI maintains the highest standards of legal compliance and regulatory adherence in the credit repair industry.

Compliance Commitment

OriumAI is built from the ground up to ensure 100% compliance with all applicable federal and state regulations governing credit repair services.

FCRA Compliant
Fair Credit Reporting Act
CROA Certified
Credit Repair Organizations Act
Metro-2® Standard
Industry Data Reporting

Fair Credit Reporting Act (FCRA)

All dispute letters generated by OriumAI strictly comply with FCRA Section 611, ensuring proper formatting, permissible purposes, and consumer rights protection.

  • Section 611 Compliance
  • Consumer Rights Protection
  • Proper Documentation Standards
  • Time Limit Adherence

Credit Repair Organizations Act (CROA)

Our platform adheres to all CROA requirements including proper disclosures, contract terms, and prohibited practices prevention.

  • Required Disclosures
  • Contract Compliance
  • Prohibited Practice Prevention
  • Consumer Protection Standards

Metro-2® Data Standard

Our letter generation engine is fully compatible with the Metro-2® credit reporting data standard used by all major credit bureaus.

  • Bureau-Specific Formatting
  • Data Field Accuracy
  • Standard Code Compliance
  • Automated Validation

State Regulatory Compliance

OriumAI maintains compliance with individual state laws and regulations governing credit repair services across all 50 states.

  • 50-State Compliance
  • Local Law Adherence
  • Licensing Requirements
  • Regular Legal Updates

Audit Trail & Documentation

Complete Activity Logs

Every action taken on the platform is logged with timestamps and user attribution for full accountability.

Document Retention

All generated letters and consumer communications are retained per federal guidelines for audit purposes.

Compliance Monitoring

Automated compliance checks ensure all generated content meets regulatory standards before delivery.

Legal Review Process

Our letter templates undergo regular legal review to maintain current compliance standards.

Legal Questions?

Our compliance team is available to address any legal or regulatory questions about our platform.

legal@oriumai.com Data Protection