SCP Real Time Compliance

Welcome to PHONIZE and Real Time Compliance!

Phonize and Strategic Compliance Partners Join to Bring You SCP Real Time Compliance Powered by PHONIZE

Whether you are a Mortgage Broker, Non-delegated Lender or Correspondent Lender SCP and Phonize have partnered to offer Real Time Compliance Programs that keep you compliant and your staff engaged.

Compliance Programs for Correspondent Lender
If you are a Correspondent Lender we have several great programs available, click here to find out more.

Compliance Programs for Mortgage Broker and Non-Delegated Lender
SCP’s Real Time Compliance Programs provides brokers and non-delegated lenders with an online, real-time solution to help maintain and manage their Compliance Management System (CMS) in order to take the guesswork – and risk – out of compliance at a low monthly fee.
With Real Time Compliance and now Real Time Compliance Plus PHONIZE we offer brokers and mini-correspondents the best options to meet their compliance needs and budget.

Compare the programs below to determine which one is right for your organization

Real Time Compliance

Real Time Compliance Plus PHONIZE

Federal & State Policy Guides

Online Training

Compliance Coach Consulting

Course Authoring Plus for a limited time, 20 soft skills courses are included***

Compare the programs below to determine which one is right for your organization

Real Time Compliance

Real Time Compliance Plus PHONIZE

Broker Pricing

$399 Set-up Fee
$369 Monthly Fee
*$10 One Time Fee Per Learner
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$499 Set-up Fee
$469 Monthly Fee up to 50 users
Contact us for more learners
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Non-Delegated Pricing

$499 Set-up Fee
$520 Monthly Fee
*$10 One Time Fee Per Learner
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$599 Set-up Fee
$620 Monthly Fee up to 50 users
Contact us for more learners
Learn More

What’s Included?

Real Time Compliance
Federal & State Policy Guides
Policies are customized for client by SCP compliance staff. SCP Compliance Management Consultant discusses with the client their current operations in order to customize both Federal and State policy guides specifically for them.
Policy Guides are updated monthly by SCP’s compliance and legal team based upon the results of nationwide audits, enforcement actions, published and unpublished guidance and other regulatory/legal and industry trends.
Since Policy Guides are maintained online on a secure website, SCP’s technology enables them to be updated in real time, with alerts advising clients of the updates. Plus, policies are accessible by an unlimited number of client employees.

Online Training Powered by Phonize Platform
Self-paced online courses helps keep your company compliant in your personalized training center. SCP comprehensive compliance courses are written and vetted by compliance professionals, attorneys and education specialists. Our self-paced online curriculum includes 30 – 45 minute compliance courses with an exam at course end. Courses are delivered through our online training center, which you may access and roll out throughout your company at your convenience. In addition, with the Phonize platform you can track and report on company training by department, employee, course, and compliance status. Plus, your staff will find the courses fun and engaging through the use of gamification and teaming aspects of the Phonize platform. Not only will staff be able to take courses from their desktop but from their mobile phone allowing them to review courses on-the-go.

Compliance Coach Consulting
Clients receive 30 minutes of support per month from a SCP Compliance Management Consultant. Within those 30 minutes per month, the same dedicated SCP Consultant can help you implement your policies, prepare for an audit, and/or assist with other compliance matters or general questions. Once the 6 hours of annual support time has been exhausted, additional support time can be purchased for $185 per hour.

SCP and Phonize Deliver Compliance Solutions in Real Time

Included Policies

Fair Lending Policies
Fair Lending Plan
Pricing Policy
Home Mortgage Disclosure Act Compliance Management Plan
Qualified Mortgage / Ability-to-repay Policy
Anti-predatory Lending Policy
Appraiser Independence Policy
Truth In Lending Act Policy
Real Estate Settlement Procedures Act Policy
TILA RESPA Integrated Disclosure
E-disclosure and E-signature Policy
USA Patriot Act Policy
Application Policy
ECOA Valuations Rule Policy
Higher-priced Mortgage Loan Policy
Dual Employment Policy
General Employment Requirements
Change Management Policy
Secure And Fair Enforcement For Mortgage Licensing Act Policy
Complaint Management Program
Third Party Service Provider Risk Identification And Control Policy
Record Retention Policy
Privacy Policy
Customer Information Security Program
Fair Credit Reporting Act Policy
Red Flags Identity Theft Program
Anti-money Laundering (AMl) Policy And Plan
Do-not-call Policy
CAN-SPAM Act Policy
Advertising And Marketing Policy
Social Media Policy
Additional State Specific Policies
State Security Breach Policy
State Licensing Policy

Real Time Compliance includes Policies and Training kept in Real Time.  This means when a regulation changes your policies and training is updated so you are always up-to-date.

Included Training

Compliance Course Listcomplaincepuzzl3
Fair Lending Overview
Anti-Money Laundering (AML)
TILA/RESPA Integrated Disclosures
Advertising Compliance
Equal Credit Opportunity Act — Regulation B
Adverse Action Equal Credit Opportunity Act — Regulation B
Ethics in Lending
Fair and Accurate Credit Transactions Act (FACTA) & FCRA Overview
Gramm-Leach-Bliley (GLB) Privacy Act
Homeowners Protection Act (HPA)
Initial Disclosures
Mortgage Acts and Practices – Advertising
Red Flags Rule
Real Estate Settlement Procedures Act (RESPA) — Regulation X
RESPA Section 8
S.A.F.E. Mortgage Licensing Act – Regulation H – State Compliance and Bureau Registration System
Security and Consumer Privacy Protection
Servicemembers Civil Relief Act (SCRA)
Truth in Lending Act — Regulation Z
Unfair Abusive, Deceptive Act and Practices — UDAAP
Home Mortgage Disclosure Act — Regulation C (new updates coming soon)
FHA Updates (coming soon)
Data-security in Lending (coming soon)

 Real Time Compliance Plus PHONIZE


PHONIZE delivers options. The PHONIZE allows anyone to create, develop and deliver training in a matter of minutes. The PHONIZE allows anyone the ability to pass on what they have learned. The Playbook includes all authoring and administrative capabilities for companies with up to 50 users. Additional users can be added for an additional $2 per user per month.
The PHONIZE includes:
• Course Authoring
• Access to Partner Portal to purchase courses
• Plus for a limited time, 20 soft skills courses are included***
***For a limited time, the PHONIZE™ comes complete with 20 Soft Skills Courses ready to assign and deploy to staff.

Courses include:

  • Workplace Diversity
  • Workplace Harassment
  • Workplace Violence
  • Goal Setting
  • Time Management
  • Business Ethics
  • Business Etiquette
  • Coaching and Mentoring
  • Creative Problem Solving
  • 10 Soft Skills You Need
  • Change Management
  • Customer Service
  • Employee Onboarding
  • Employee Motivation
  • Millennial Onboarding
  • Handling a Difficult Customer
  • Stress Management
  • Sales Fundamentals
  • Safety in the Workplace
  • How to Develop a Course