Business, Free News Articles, Real Estate, Reports and Studies

The 2020 Black Hole Recession – COVID-19 Effect on Metro Denver Home Values

DENVER, Colo. -- Clear Realty and their real estate technology division Sell-Star released today an in-depth report on how the economic freefall triggered by fear of death from COVID-19 instantly formed the 2020 Black Hole Recession and now affects Metro Denver home values and the safety of 250,000 or so families and individuals wishing to sell or buy a home over the next two-and-a-half years.

This report includes the interactive web-based tool Sell-Star Prophet, which forecasts by neighborhood home values and days-on-market for years 2020, 2021 and 2022 and defines qualities of homes buyers pay the most to attain-exactly what to advertise to attract buyers.

In normal economic downturns deteriorating business activities lead to increasing unemployment over a period of six months to perhaps eighteen months. The COVID-19 induced 2020 recession skipped the entire declining economic conditions portion of the cycle, instead the economy was like a massive sun burning bright, then in a moment collapsing in on itself creating a black hole-the very trough of the economic cycle.

"It's fear of infection from human interaction triggering this economic black hole and real estate sales have a lot of human interaction. Sell-Star Prophet helps reduce unnecessary interaction by showing homeowners how to vastly improve their internet marketing," said Creed Smith, Broker/Owner, Clear Realty.

Unlike most economic reports using national or regional data on Gross Domestic Product and unemployment rates, Sell-Star Prophet displays actionable forecasts for homeowners by specific Metro Denver neighborhoods including:
* Home values for 2020, 2021 and 2022
* Days-On-Market timeframes for 2020, 2021 and 2022
* Rank-ordered list of qualities most desired by buyers for superior internet marketing
* Rank-ordered list of value harming deficiencies owners should correct to maximize home value

"COVID-19 put the brakes, likely permanently, on high personal contact methods when selling a home. Nobody wants the risk of armies of people marching through their home every week, and buyers prefer the safety and convenience of window-shopping homes on the internet. Sell-Star Prophet defines the exact rank-ordered qualities homeowners need to advertise to attract the best buyers, keep home values up and keep days-on-market down," said Creed Smith, owner of Clear Realty and inventor of Sell-Star Prophet.

About Clear Realty and Sell-Star Prophet:

Clear Realty specializes in creating cutting edge technologies cutting the cost of selling a home while improving the marketing and safety of home sales. Sell-Star Prophet, is the latest technology of many Clear Realty uses to improve marketing in the real estate industry.

Learn more at: https://clear.realty/

Prophet cover video: https://vimeo.com/422946055

Related link: https://clear.realty/

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Business, Free News Articles, Product Launches, Software

ARMCO Launches QC NOW Web Series to Support QC Professionals

DENVER, Colo. -- ACES Risk Management (ARMCO), the leading provider of enterprise quality management and control software for the lending industry, announced the launch of QC NOW, a web series covering current regulatory and operational changes related to quality control, compliance and risk for independent mortgage lenders, banks and credit unions.

"Now more than ever, information is power, and with so much changing so quickly in the lending and financial services landscape, it can be difficult to keep pace and stay informed," ARMCO CEO Trevor Gauthier said. "The QC NOW web series is yet another way ARMCO continues to support financial services quality control and compliance professionals by providing up-to-date information on regulatory and operational changes in an easily digestible format."

The series launches on May 28, 2020 at 11 a.m. Pacific Time (PDT) with "QC Operations in the New World - A Look Into the COVID-19 Era," hosted by ARMCO President and Chief Operating Officer Phil McCall. The webinar will cover what has changed for lenders since the start of the pandemic, the immediate and overall effects of these changes and how qc professionals can prepare for what is still to come.

Other upcoming topics for the web series include:
* How to Ensure Data Integrity with HMDA Reviews
* Mortgage QC Industry Trends - Future Outlook
* QC Reporting Essentials
* State of Servicing QC

To view the upcoming schedule and register to attend an upcoming presentation, visit https://www.armco.us/learn/webinars/qc-now.

About ARMCO

ACES Risk Management (ARMCO) is the leading provider of enterprise quality management and control software for the financial services industry. More than half of the top 50 lenders and two of the top five U.S. commercial banks rely on ACES Audit Technology(tm) to improve audit throughput and quality while controlling costs. Unlike other quality control platforms, only ACES delivers Flexible Audit Technology, which gives independent mortgage lenders and financial institutions the ability to easily manage and customize ACES to meet their business needs without having to rely on IT or other outside resources. Using a customer-centric approach, ARMCO clients get responsive support and access to our experts to maximize their investment. For more information, visit https://www.armco.us or call 1-800-858-1598.

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Related link: https://www.armco.us/

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Business, Free News Articles, Software

ARMCO Expands Integrated Third-Party Vendor Offerings Within ACES Audit Technology

DENVER, Colo. -- ACES Risk Management (ARMCO), the leading provider of enterprise quality management and control software for the lending industry, announced several major enhancements to its ACES Audit Technology platform to aid lenders' loan defect categorization and post-closing quality control efforts.

"Loan quality is a moving target, and to ensure our clients are always hitting the mark, ARMCO is continually refining ACES as users' needs and regulatory directives change," ARMCO CEO Trevor Gauthier said. "This recent slate of system updates is further evidence of our commitment to customer satisfaction, user choice and industry partnerships with best-of-breed providers that support our clients' loan quality initiatives."

Included in the enhancements are additions to the suite of integrated third-party verification providers available within ACES. Users can now order, track and receive credit reports from Data Facts and field reviews from Service1st without leaving the ACES system, which streamlines the quality control audit process and eliminates the unnecessary, time-consuming and error-prone task of rekeying data.

"Data Facts is hyper-focused on helping lenders address fraud and compliance, which makes our partnership with ARMCO such a natural fit," said Lisa May, senior vice president of strategic solutions at Data Facts. "Not only is this integration a win-win for our mutual customers, but it also provides all ACES users with a choice for credit reporting services, and we look forward to delivering to ACES users the same high-touch, high-level customer service that our existing clients have come to expect from Data Facts."

"Many appraisal management companies list appraisal reviews as product offerings, but, in reality, this often takes a back seat to their main business of origination appraisals. That is not the case for Service 1st," said Joe Chappell, executive vice president and business leader for partner integrations at Covius, which owns Service1st. "We have a 25-year track-record of providing appraisal reviews to the QC community and are known for our service, the quality of our valuations, our commitment to communications and our competitive pricing. Our integration with ARMCO brings together two of the industry's leading QC service providers to accelerate the overall appraisal review process, create greater efficiencies for our joint clients and reduce the risk of human error."

In addition to expanding users' options for third-party verification providers, ARMCO also announced its updates to the loan defect taxonomies for Fannie Mae and FHA included within ACES. These updates reflect the changes announced by Fannie Mae in late Q3 2019 and FHA in early Q1 2020 and were made available to ACES users in December 2019 and January 2020, respectively.

"The loan defect taxonomies established by Fannie Mae and FHA enable lenders to standardize their categorization of loan defects, which, in turn, helps facilitate historical trending and benchmarking activities so that lenders have a more fulsome understanding of their loan quality both over time and as compared to their peers," said Gauthier. "As a best practice, the ACES software is updated immediately with these changes to ensure our clients are compliant and utilizing the latest standard from their prudential regulators to effectively manage their loan quality and risk."

About Data Facts

For over three decades, Data Facts' full-circle portfolio of solutions has helped lending professionals make sound lending decisions and maximize efficiencies. Employees are 100% U.S. based and data is never off-shored. By utilizing innovative technology, seamless LOS integrations, and their ability to create customized, flexible solutions, they help clients close more loans faster and easier. Data Facts is certified by the Women's Business Enterprise National Council (WBENC) as a 100% woman-owned business. To read more about Data Facts, visit their website at https://www.datafacts.com.

About Service1st

Service1st, a Covius solution, provides technology-enabled appraisal risk management solutions and specializes in quality control providers. Service1st also delivers risk management solutions for residential and commercial mortgage origination, servicing, default, REO and due diligence. Covius is a trusted provider of services, insight and technology to leading financial companies. Covius' technology-enabled solutions deliver operational efficiencies, mitigate risk and empower compliant decisions and borrower interactions.

Covius businesses are recognized leaders in credit and verification services, HOA and tax tracking, quality assurance, regulatory compliance, compliant document services, comprehensive settlement services, lien and title curative solutions, REO asset management and auction services, capital markets due diligence and oversight as well as rapid-development, customizable cloud-based business process solutions. The company was named a 2020 HousingWire Tech100 winner. For more information about the company and its services, visit https://covius.com.

About ARMCO

ACES Risk Management (ARMCO) is the leading provider of enterprise quality management and control software for the financial services industry. More than half of the top 25 mortgage lenders, a third of the top 150 lenders and servicers and two of the top five U.S. commercial banks rely on ACES Audit Technology(TM) to improve audit throughput and quality while controlling costs. Unlike other quality control platforms, only ACES delivers Flexible Audit Technology, which gives independent mortgage lenders and financial institutions the ability to easily manage and customize ACES to meet their business needs without having to rely on IT or other outside resources. Using a customer-centric approach, ARMCO clients get responsive support and access to our experts to maximize their investment.

For more information, visit https://www.armco.us/ or call 1-800-858-1598.

Related link: https://www.armco.us/

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Business, Free News Articles, Software

Digital Mortgage Provider Maxwell Extends Product Offering with New Fulfillment Platform

DENVER, Colo. -- Digital mortgage provider Maxwell today announced a new way for small and midsize lenders to scale processing capacity to meet market needs through the launch of the Maxwell Fulfillment Platform.

As an extension to Maxwell's digital mortgage platform, the Maxwell Fulfillment Platform is a complete technology and outsourced solution to enable lenders to scale their business with access to teams of on-shore processors at off-shore prices. In an unpredictable market, small to midsize lenders who have difficulty scaling their business to accommodate market demands can seamlessly incorporate a team of seasoned processors with an average of 15 years of experience, all located in the United States. Driven by machine learning and AI technology, the Maxwell Fulfillment Platform ensures a flexible, efficient and high-quality processing experience.

"At Maxwell, our customers see us as true partners and often look to us for solutions beyond the POS solution we're best known for. We created the Fulfillment Platform as the next extension of our product because we recognized their need to scale without an enterprise-sized budget," said John Paasonen, co-founder and CEO of Maxwell. "Yes, we're a point-of-sale, but our technology now allows us to leverage the power of our community of lenders to offer access to value previously only accessible by the largest lenders. Loan processing, powered by our technology, is one example of the ways we help them compete in the marketplace and continue to deliver a superb experience."

Services delivered through the Maxwell Fulfillment Platform will be available on a white-label basis, with processors functioning as part of a lender's operations team. Lenders can add processors as needed to accommodate the ebbs and flows of market dynamics, while maintaining full ownership of customer data and delivering a fully branded, streamlined loan experience to borrowers. Qualifying lenders can apply for early access to the Fulfillment Platform beginning today.

"In the midst of market uncertainty, agile lenders must rethink their operational flexibility. The Maxwell Fulfillment Platform enables lenders to better predict and control labor costs while maintaining quality, security and compliance," said Brian Simons, who leads the Fulfillment Platform as president. "I've spent the last 10 years in third-party fulfillment and now - with the power of Maxwell's technology - we plug directly into our lender's systems, offering highly skilled processing talent, a better borrower experience, pipeline management and reporting through our POS."

Maxwell's Fulfillment Platform is licensed and SAFE Act compliant, ensuring full compliance with state regulations, and features bank-grade security and privacy measures that exceed market standards.

The Maxwell Fulfillment Platform was built to support both processors that work for partners in addition to the processors that Maxwell employs itself. Maxwell is also accepting discussions with other fulfillment partners to join the platform as it grows.

To learn more about the Maxwell Fulfillment Platform, click here - https://himaxwell.com/services

ABOUT MAXWELL

Maxwell empowers mortgage lenders to be more connected, productive and successful by intelligently automating their workflow with homebuyers and real estate agents. A four-time HW Tech 100 winner, Maxwell's digital mortgage platform leverages proprietary algorithms built on its network of data across hundreds of thousands of loans to enable lenders to accelerate the mortgage lending process from application to underwriting. Today, hundreds of lenders across the United States use Maxwell's point-of-sale to originate $5 billion in mortgage loans each month at a cycle time 45 percent faster than the national average. Founded in 2015, Maxwell is a member of the Mortgage Bankers Association and a preferred partner of The Mortgage Collaborative. The company is proud to be built in Denver, Colorado.

Connect with Maxwell:
* https://himaxwell.com/
* https://www.facebook.com/maxwellHQ
* https://twitter.com/ilovemaxwell

Related link: https://himaxwell.com/

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Business, Free News Articles, Ophthalmology and Vision

Colorado Optometric Association Warns Patients to Be Cautious of ‘At-Home Eye Exam’ or ‘Vision Test’ Product Claims

DENVER, Colo. -- Some companies are taking advantage of the COVID-19 pandemic and asserting that their devices make it easy to conduct an eye exam at home. The truth of the matter is, there are a number of components that are part of an in-person, comprehensive eye exam with a doctor of optometry and there is no U.S. Food and Drug Administration (FDA)-approved, at-home device or app that people can use to self-conduct all of the elements of a proper eye examination. The Colorado Optometric Association, together with the American Optometric Association (AOA), warns that it is more important than ever to be aware of products that give the mistaken impression that their devices can substitute for a comprehensive eye examination or that they can shortcut getting a contact lens or eyeglasses prescription.

"When patients rely on an app for an eyeglass or contact lens prescription, they can receive inaccurate or misleading information and potentially delay essential sight saving treatment. In addition, changes in refractive status can be an underlying symptom of a number of eye or systemic conditions, which can only be detected through an in-person, comprehensive eye exam," says COA President, Dr. Buchanan. "We want to ensure that patients have access to medically-recognized eye health care and to protect them from companies, platforms or services that may put their health at risk."

The Colorado Optometric Association is joining with the AOA, patient advocacy organizations, state attorneys general and the media in warning the public about the lack of effectiveness and potential dangers of these devices and their marketing promises. With the proliferation of these online apps, optometry and other health care providers have continued to raise concerns about their safety and efficacy-including the potential for inaccurate prescriptions, missed diagnoses of serious and general health conditions, and the creation of a prescription with little input from an eye doctor.

"Eye exams with doctors of optometry, America's primary eye health and vision care providers, are essential health care that provide more than just a prescription but are also a critical component of patient's preventive health regimen. During this time, patients should work with their doctors to make use of health technologies that enhance care, and not be misled by questionable marketing claims that undermine it," AOA President Barbara L. Horn, O.D., says. "Patients need to be wary of any company that claims its device can replace the care that a doctor provides."

States are beginning to reopen health care access and eye doctors across the country are starting to safely provide comprehensive eye health examinations once again. Patients looking to schedule their annual eye examinations or update their prescriptions should contact their eye doctors, who are employing in-person and telehealth protocols to provide necessary refills and other eye health and vision care with one goal in mind - to protect everyone's health and safety.

About the Colorado Optometric Association (COA):

The Colorado Optometric Association (COA) is the professional organization of optometrists in Colorado. Over 600 Colorado Doctors of Optometry are voluntary members of the Association.

Since 1892, the COA has assisted its members in providing the highest standard of professional care to their patients by sponsoring continuing education programs for doctors, advocating in local and state governments for programs and laws that represent patients' best interests, and providing information for the public. For more information, please visit http://www.visioncare.org/ or call 303-863-9778.

Related link: https://colorado.aoa.org/

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Business, Free News Articles, Product Launches, Software

ARMCO Launches ACESXPRESS for Early Payment Defaults

DENVER, Colo. -- ACES Risk Management (ARMCO), the leading provider of enterprise quality management and control software for the lending industry, announced the release of ACESXPRESS(TM) for Early Payment Defaults (EPDs) to bolster lenders' existing audit programs in light of the recent increases in required monthly EPD audit volume.

"With unemployment figures on the rise due to the COVID-19 pandemic, the industry is bracing itself for a sharp increase in the number of EPDs on recently originated loans. Furthermore, EPDs are one of the strongest indicators of possible mortgage fraud, the likelihood of which also increases as borrowers feel a greater sense of urgency to secure financing for their home purchase," ARMCO CEO Trevor Gauthier said. "ACESXPRESS for EPDs provides a turnkey platform for managing sudden volume spikes in EPD audits while maintaining compliance with audit requirements. Because the system can be implemented within a week, ACESXPRESS for EPDs also minimizes the burden typically placed on existing staff when onboarding a new system, thus enabling lenders to begin realizing its benefits sooner."

Originally launched in 2016, ACESXPRESS delivers the power of the ACES Audit Technology(TM) platform in an easy-to-implement format for small and mid-sized lenders. Recognizing the need for a similar platform designed specifically for EPD audits, ARMCO refined the functionality of ACESXPRESS to deliver needed EPD audit support with a streamlined implementation timeframe. ACESXPRESS for EPDs includes:

* Minimal setup requirements and the ability to configure within a week;
* Full product support from ARMCO;
* Pre-configured audits, including ACES IQ for conducting EPD reviews; and
* A library of standard report templates.

"Responsiveness is key to managing loan quality," said Gauthier. "As economic and market conditions change, ARMCO is committed to delivering technology that supports lenders' audit needs and helps mitigate lending risk."

About ARMCO

ACES Risk Management (ARMCO) is the leading provider of enterprise quality management and control software for the financial services industry. More than half of the top 25 mortgage lenders, a third of the top 150 lenders and servicers and two of the top five U.S. commercial banks rely on ACES Audit Technology(TM) to improve audit throughput and quality while controlling costs. Unlike other quality control platforms, only ACES delivers Flexible Audit Technology, which gives independent mortgage lenders and financial institutions the ability to easily manage and customize ACES to meet their business needs without having to rely on IT or other outside resources. Using a customer-centric approach, ARMCO clients get responsive support and access to our experts to maximize their investment.

For more information, visit www.armco.us or call 1-800-858-1598.

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Business, Free News Articles, Software

Altavera Founder Brian Simons joins Maxwell executive team

DENVER, Colo. -- Digital mortgage leader Maxwell has announced Altavera Mortgage Services founder and former CEO Brian Simons has joined the company as president.

Simons comes to Maxwell with 23 years of experience in the mortgage industry, including capital markets, loan origination and default management. His deep understanding of the mortgage market further heightens Maxwell's capacity to build mortgage software that is tailored to meet the technology needs of its hundreds of small and midsize lender customers.

"We're thrilled to have Brian join the Maxwell team," said John Paasonen, co-founder and CEO of Maxwell. "Brian brings deep expertise in the mortgage industry and experience in organizational development acquired over an impressive career. He will be a huge asset as we enter our next phase of growth and extend our mission to empower lenders to make mortgages simpler and more accessible."

Prior to Maxwell, Brian was the CEO of Credit Risk Solutions at Computershare, which acquired Altavera Mortgage Services, a Denver-based company providing third-party origination, quality control and due diligence services to the mortgage community. Prior to Computershare, Simons founded and built Altavera to be a national service provider that catered to each client's unique outsourcing needs while fostering an environment of diversity and opportunity. Brian's career in the mortgage industry began on Wall Street with Credit Suisse and JPMorgan before becoming a founding executive of Urban Lending Solutions.

"I've spent the last ten years leading operational efficiency in mortgage originations, and it's become clear to me that technology is the key to that efficiency," said Brian Simons. "So many technology providers aim to eliminate humans, but there's nothing more personal than helping someone finance their American Dream. The Maxwell team shares my belief that the crucial benefit of mortgage technology lies in its ability to empower employees to deliver an unparalleled borrower experience. I'm excited to join Maxwell and pursue our common goal to elevate the human relationships at the heart of the mortgage transaction."

Recently named a winner of HW's Tech 100 for the fourth straight year, Maxwell's digital mortgage platform leverages proprietary algorithms built on its network of data across hundreds of thousands of loans to enable lenders to accelerate the mortgage lending process from application to underwriting. This allows lending teams to focus on the human relationship at the center of the mortgage journey. Today, hundreds of lenders across the United States use Maxwell's point-of-sale to originate $5 billion in mortgage loans each month at a cycle time 45 percent faster than the national average.

ABOUT MAXWELL

Maxwell empowers mortgage lenders to be more connected, productive and successful by intelligently automating their workflow with homebuyers and real estate agents. The platform is used by hundreds of mortgage lenders, community banks and credit unions nationwide to serve their homebuyers and real estate agent partners every day. Founded in 2015, Maxwell is a member of the Mortgage Bankers Association and a preferred partner of The Mortgage Collaborative. The company is proud to be built in Denver, Colorado.

Connect with Maxwell:
- https://himaxwell.com/
- https://www.facebook.com/maxwellHQ
- https://twitter.com/ilovemaxwell

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Related link: https://himaxwell.com/

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Business, Free News Articles, General Editorial, NonProfit and Charities

David and Laura Merage Foundation Donates 500 Toy Boxes to Children of Healthcare Workers

DENVER, Colo. -- The David and Laura Merage Foundation launched the Merage Mini Heroes project to bring joy to the children of courageous frontline healthcare workers who are putting in extraordinarily long hours away from their families. Working in partnership with Timbuk Toys and several other local businesses, the foundation created 500 age-appropriate toy boxes that were gifted to parents at St. Joseph's Hospital and Denver Health.

"Our intention is to spark a bit of joy with these toys, and quite simply show these little ones how grateful we are that they are sharing their families with Coloradans in need," stated Sue Renner, Vice President of Philanthropy at the David and Laura Merage Foundation.

In honor of National Nurses Week, the foundation team delivered 500 boxes to the medical and non-medical staff at the two local hospitals. The hospitals then distributed these boxes for staff to pick up, noting the delight that their staff and the children showed when receiving these boxes.

"The Merage Little Heroes project is a humongous success! It is generating lots of excitement and overwhelming joy, and we are so thankful that David, Laura and their organization provided us with this act of kindness," responded Jamie Smith, CEO at St. Joseph Hospital.

This initiative exemplifies the deep commitment that David and Laura Merage have for early childhood education. In addition to Merage Mini Heroes, the David and Laura Merage Foundation has launched two nationwide programs focused on increasing high-quality care and education, Early Learning Ventures (ELV) and CareForAllChildren. Since its founding in 2008, ELV has impacted over 41,000 children and served 550 childcare programs around the U.S.

The CareForAllChildren campaign is paving the way for working parents and advocates to call on presidential candidates to address the childcare crisis. Each of these initiatives aims at supporting our youngest learners, families, and another set of heroes, childcare providers.

The Merage Mini Heroes initiative is unique in providing the opportunity to lift the spirts of our brave parents and their children during this challenging time. If additional hospitals and foundations are looking to participate or expand the current giving program, please contact Catharina Hughey, Operations Specialist, chughey@merage.org.

Learn more: https://www.merage.org/

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Business, Free News Articles, Product Launches, Software

ARMCO Launches ACES Consumer™ Quality Management Platform for Financial Institutions

DENVER, Colo. -- ACES Risk Management (ARMCO), the leading provider of enterprise quality management and control software for the lending industry, announced the official release of ACES Consumer, the next iteration of its ACES Audit Technology(TM) platform designed specifically for financial institutions. The new solution provides both consumer banks and credit unions with a single platform to improve loan quality and gain valuable insights across all consumer lending channels.

"Traditionally, financial institutions have taken a siloed approach to quality control in lending. As a result, organizations may have a different process or platform for managing loan quality in each of their consumer product lines, thereby duplicating efforts and increasing the cost to comply," ARMCO CEO Trevor Gauthier said. "As the leader in quality control audit software for the mortgage industry, ARMCO has amassed a wealth of knowledge on best practices for managing QC and compliance, which we have leveraged in the development of ACES Consumer to provide all financial institutions with a single platform capable of ensuring loan quality and mitigating risk across their entire enterprise."

ACES Consumer is a web-based, user-definable platform that enables financial institutions to easily configure audits across their entire consumer lending portfolio to help reduce audit times by up to 40% and eliminate manual processes. Backed by a dedicated Client Success team, the platform includes automated loan sampling functionality, advanced reporting and dashboarding capabilities and a secure communication portal to streamline the quality control process.

ACES Consumer also uses pre-built questionnaires to ensure compliance with federal consumer regulations covering, but not limited to:
* Consumer direct and indirect lending;
* Truth in Lending Act (TILA);
* Loan applications;
* Branch audits;
* New deposit open end credit;
* Consumer loan servicing;
* Consumer leasing;
* Marketing; and
* Community Reinvestment Act (CRA).

"Many financial institutions have been forced to rely on spreadsheets, email and manual processes to power their quality control audits. As organizations grow, these methods quickly become inadequate to the task, which exponentially increases the number of manhours required to complete this mission-critical function. Furthermore, these methods are ill-suited to a remote work environment, as they add unneeded complexity to the process and create multiple opportunities for data to become lost or corrupted," Gauthier said.

"With ACES Consumer, financial institutions can harness the power of web-based automation to streamline the quality control process, thereby ensuring that they have a scalable process in place for managing loan quality and mitigating risk, regardless of their operational circumstances."

For more information, visit https://www.armco.us/products/aces-consumer.

About ARMCO

ACES Risk Management (ARMCO) is the leading provider of enterprise quality management and control software for the financial services industry. More than half of the top 25 mortgage lenders, a third of the top 150 lenders and servicers and two of the top five U.S. commercial banks rely on ACES Audit Technology(TM) to improve audit throughput and quality, while controlling costs. Unlike other quality control platforms, only ACES delivers Flexible Audit Technology, which gives independent mortgage lenders and financial institutions the ability to easily manage and customize ACES to meet their business needs without having to rely on IT or other outside resources. Using a customer-centric approach, ARMCO clients get responsive support and access to our experts to maximize their investment. For more information, visit www.armco.us or call 1-800-858-1598.

Related link: https://www.armco.us/

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Business, Environment and Ecology, Free News Articles, Home and Garden

Sunstate Laboratories Introduces Revolutionary Cleaning Products That Help Eliminate Plastic Waste and Save Consumers Money

DENVER, Colo. -- In the midst of celebrating Earth Day's 50th anniversary this month, SunState Labs is setting the standard for environmentally-responsible businesses, by employing sustainable production practices and conserving resources along the entire supply-chain. The company's product, DAZZ, is a non-toxic concentrated cleaning tablet, made with natural ingredients and designed to curb the need for single-use plastics.

Historically, household cleaners have primarily been available in ready-to-use (RTU) containers, perpetuating the "use-and-discard" cycle. Consumers buy their cleaning products pre-mixed in spray bottles, then have to toss each spray bottle as they become empty.

DAZZ, however, is breaking this cycle -- their concentrated, easy-to-use tablets are made to be used in any spray bottle, so customers can reuse existing bottles in their homes, over and over again. For the consumer, this not only saves them money, but also allows them to make environmentally-conscious purchasing decisions.

In a world where sustainability is becoming a major concern for the mainstream consumer market, DAZZ is filling that hole in the household cleaning industry, allowing individuals to incorporate greener habits into their cleaning routine.

Each year, over one billion plastic spray bottles are thrown out in the United States. These spray bottles contribute to the growing build-up of plastic waste in our oceans, which, according to Ocean Cleanup, a nonprofit organization dedicated to cleaning up plastic pollution in the oceans, currently amounts to over 5 trillion pieces of plastic. The issue of plastic waste has only increased in relevance, since China stopped purchasing the United States' plastic waste in 2018.

David Shahan, CEO and Chief Innovation Officer for SunState Labs, had this exact issue in mind when he developed DAZZ Cleaning Tablets.

In addition to environmental and economic benefits, DAZZ also boasts high performance when tested against industry leaders. In tests conducted at the TURI lab at the University of Massachusetts, DAZZ Window & Glass Cleaner beat Windex, DAZZ All-Purpose beat Formula 409, and DAZZ Bathroom beat Clorox. Despite costing about 75% less than these leading RTU brands, DAZZ outperforms them when it comes to tackling tough messes.

DAZZ cleaning tablets, when added to a bottle of lukewarm water, dissolve into a powerful cleaning solution, free of fillers and toxic chemicals. The tablet form saves storage space in the household, as well as lessens the cost and environmental impact of transportation. Consumers can order either a Starter Kit, which includes spray bottles and tablet packets, or a Refill Package of just tablets -- either way, no water is being shipped.

Shahan wants to stress the importance of local suppliers in the fight for more sustainable business practices. "I'd like to see local programs foster the ingenuity of local suppliers," says Shahan. "Hiring locally, sourcing locally, and protecting the environment go hand-in-hand with a profitable, sustainable enterprise."

SunState's mission is to create innovative products that are safe, tough on dirt, and encourage environmental sustainability.

Learn more at: https://dazzcleaner.com/

MEDIA ONLY CONTACT:
David Shahan
CEO and Chief Innovation Officer of SunState Labs
720-524-8477
David@sunstatelabs.com

Related link: https://dazzcleaner.com/

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