Compliant. Intuitive. Reliable.

With ComplianceOne Plus™, community banks and credit unions gain a streamlined, cost-efficient way to modernize lending operations without extra systems, extra vendors, or unnecessary complexity. One intuitive user experience, and one source of truth across consumer and commercial lending that runs on a single, cloud-based platform.

Produce documents you can stand behind

Create accurate, compliant loan documentation across jurisdictions and loan types with warranted content maintained by lending compliance experts. Every document draws from a single source, helping your team stay ready for change by using a lending compliance software trusted by community banks and credit unions.

Reduce manual entry and exam risk

Two-way integrations with core banking systems allow data to flow between platforms, eliminating manual re-entry at the points where errors are most likely to occur. Fewer manual handoffs mean faster document generation, fewer points of failure, and a cleaner audit trail.

Modernize at your own pace

With a cloud-based, modular platform like ComplianceOne Plus, you start with confident document generation and add capabilities — valuation services, credit bureau integrations, flood services — only when your institution needs them. No unnecessary features or systems.

Keep everything in one environment

Single sign-on keeps consumer lending, commercial lending, and every add-on inside one platform. No patchwork of logins. No reconciling outputs from separate vendors. One source of truth, across every loan type and jurisdiction.

Support outreach beyond the office

A cloud-based platform helps lenders work where borrowers are, whether in the field, at a small business, or meeting at a property, while reducing dependency on local IT infrastructure.

See your whole portfolio at a glance

Portfolio dashboards provide transparent oversight of active loan pipelines across consumer and commercial lending, so leadership always has an accurate, real-time view of where things stand. 

Brochure

ComplianceOne Plus
Compliant. Intuitive. Reliable.
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Case study

Regional bank improves lending efficiency and user experience with a cloud-based lending platform
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Capabilities that fit your lending operation

Pick and choose the add-on functionality you need now, with the flexibility to expand, remove, or scale capabilities as your business changes.

Consumer lending

ComplianceOne Plus is consumer lending software optimized for the volume and speed of consumer lending. Front-end workflow support speeds the path from application to document generation, while high-volume templates and fee groups accelerate repeatable documentation and cut prep time. As volume grows, guided, standardized workflows help your team scale without sacrificing accuracy or regulatory confidence.

checkmark Compliant loan document generation for consumer lending
checkmark  Valuation services, including comprehensive vehicle history reports
checkmark  Credit bureau services
checkmark  Flood services and determinations
checkmark iLien® for UCC lien perfection
checkmark HMDA Wiz® integration for streamlined reporting
checkmark SmartSign® Plus eSignature
checkmark eOriginal® eAsset® Management

Consumer lending

Commercial lending

ComplianceOne Plus is commercial lending software built for the complexity of modern commercial lending. Sophisticated, entity-driven, multi-party deals can be modeled directly inside the platform, reducing reliance on external systems and excessive legal coordination. Connected UCC lien, and due diligence workflows cut down on manual coordination and data re-entry, giving commercial-only and specialty lenders commercial-first control without the overhead of a full LOS.

checkmark Compliant loan document generation for commercial lending
checkmark Commercial loan preparation without the burden of a traditional LOS or outside legal counsel
checkmark Credit bureau services
checkmark Flood services and determinations
checkmark HMDA Wiz integration for streamlined reporting
checkmark iLien for UCC lien perfection
checkmark SmartSign Plus eSignature 
checkmark eOriginal eAsset Management
Commercial lending

Core banking

ComplianceOne Plus connects to the systems you already use — core banking platforms, credit bureaus, flood services, HMDA Wiz, OFAC, valuation, eSignature, and iLien — so you can align the platform with your lending strategy without replacing what’s already working. Start with what you need today and expand over time, avoiding costly, large-scale system replacements while modernizing at your own pace.

checkmark CSI Meridian
checkmark CSI Nupoint
checkmark Fiserv Precision
checkmark Jack Henry 20/20
checkmark Jack Henry SilverLake

Additional core banking interfaces may be added over time.

Core banking
ComplianceOne Plus
Built to streamline lending processes 
With ComplianceOne Plus, workflow steps drop by 20%–40%, reducing manual effort and freeing up your team’s time. Key lending tasks move 30%–50% faster, helping loans move through the pipeline with greater speed and accuracy. 

Extend your workflow with digital lending capabilities

eOriginal SmartSign® Plus

Enable secure, compliant eSignature workflows that reduce paper, minimize rekeying, and help accelerate closings within the ComplianceOne Plus experience.
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eOriginal® eAsset® Management

Create, manage, and monetize eAssets as you advance your digital lending strategy. eOriginal eAsset Management can be added alongside SmartSign Plus to support a broader digital asset program, including pledging eAssets to the Federal Reserve Bank or Federal Home Loan Bank.
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iLien®

Bring UCC lien perfection workflows into the ComplianceOne environment easily, giving you support for lien searches, UCC and corporate record retrieval, UCC-1 and UCC-3 filings, entity and debtor status tracking, and recurring post-closing due diligence.
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HMDA Wiz®

HMDA Wiz® makes compliance effortless with automated workflows, precision geocoding, and real-time insights — all in one cloud platform.
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Who we help

Banks and credit unions

Standardizing compliant loan document generation across both consumer and commercial lending

Lending and compliance leaders

Prioritizing visibility, accuracy, and reliable content

Specialty commercial lenders

Looking for a means to document their sophisticated commercial loans in-house instead of drafting with an outside legal firm

Institutions consolidating vendors

To reduce complexity and manage fewer third-party relationships

Institutions planning infrastructure upgrades

Searching for a trustworthy compliance partner that knows the banking industry and can support their transition to cloud-based software

1000 plus clients
We take pride in having our ARTA Lending and ComplianceOne lending systems serve over 1,000 clients.
If you’re currently using one of those systems and want to compare it to ComplianceOne Plus, our schedule is yours!

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Ready to modernize?  

See how ComplianceOne Plus delivers consistent, compliant, and intuitive document generation across lending. 
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We were pleasantly surprised to see the integration of iLien in the modernized platform. We have two full-time staff that focus on liens, pulling that connection into ComplianceOne Plus will streamline their time and remove the human error part of reentering that data. As a community bank, our team wears many hats, so it’s fantastic when we’re given the opportunity to reallocate our team to other processes.
Senior Lender
$850 million, Community Bank 

Podcasts

Some leaders are rethinking the traditional LOS approach
Still weighing whether a traditional LOS is the right fit?

The document generation solution built to meet your business needs!

See the entire ComplianceOne and ComplianceOne Plus solutions to meet your lending and deposit needs, or slice it back to only the lines of business you need it for.

ComplianceOne Plus™ Consumer

A modernized platform for consumer lending. 
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ComplianceOne Plus™ Commercial 

A modernized platform for commercial lending. 
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ComplianceOne® Assumption Lending

Leverage a fully automated system to make assumption lending faster while still ensuring compliance and minimizing the risk of manual error.
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ComplianceOne® Deposit

Benefit from consistency across your deposit products with one product that does it all! Including opening savings, CD, IRA, and HSA accounts.

ComplianceOne® Lending

Enjoy a more efficient lending process through easy to understand template designs. Originate consumer and commercial lending loans including commercial real estate, agriculture, construction loans and HE loans, all in one place and even online via our Borrower Portal functionality.

ComplianceOne® Mortgage

A SaaS-based solution that allows you to originate and document in-house and secondary market consumer closed-end loans. As the system-of-record for originating real property consumer loans, ComplianceOne mortgage® users are able to initiate mortgage loan applications, manage workflow tasks, interface with Core systems and Business-to-Business workflow services, and fulfill upfront and closing document packages.

Resources

Compliant consistent loan documentation 

Regulators expect institutions to demonstrate control over their processes. Give your team the content, connectivity, and confidence to do exactly that across every loan type, in every jurisdiction you serve.
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Why community lenders need fewer tools not more

You don’t have to choose between staying current and staying compliant. We can help. Let’s explore your strategy, your challenges, your tech stack, and we can lay out a plan together.
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Frequently asked questions

  • What makes ComplianceOne Plus different from a traditional loan origination system?
    Traditional loan origination system (LOS) platforms are built for the volume and complexity of large-scale lending operations. For community banks and credit unions under $5 billion in assets, that scope rarely fits, and the hidden costs show up quickly in implementation timelines, training burdens, and IT dependency. ComplianceOne Plus is a cloud-based, modular platform that lets smaller institutions modernize at their own pace without taking on capabilities they don’t need.
  • What is warranted content, and why does it matter?
    Warranted content is document content actively maintained by compliance experts who track regulatory changes and update language accordingly. It’s powered by Expere®, a proprietary Wolters Kluwer content engine, giving your institution a defensible foundation rather than relying on internal teams to track every jurisdiction-specific change.
  • How do two-way integrations reduce compliance risk?
    Manual data re-entry is a leading cause of errors in loan documents. When ComplianceOne Plus integrates directly with your core system, data flows both ways without requiring staff to rekey values at each handoff, reducing errors and findings during exam review.
  • What makes ComplianceOne Plus different from using multiple content vendors?
    Multiple vendors operate on different update cycles and may not stay in sync with each other or with current regulations. ComplianceOne Plus replaces that fragmentation with a single, unified source of loan document content, maintained by compliance experts at Wolters Kluwer.
  • Does ComplianceOne Plus support both consumer and commercial lending?
    Yes. The platform supports both loan types within a single environment, using a unified content source across all jurisdictions, so teams managing multiple loan types get consistency without added complexity.

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