MLA
At account opening
Check covered-borrower status when the member applies, over the API, so MLA rate limits and disclosures are applied before terms are set.
Solutions · Credit union compliance & collections
Every SCRA, MLA, and bankruptcy check, on time. With the evidence on file.
Military and bankruptcy checks run automatically at account opening, every month, and before collections, repossession, or suit. Delinquent consumer and auto loans move through payment plans, agencies, and recovery, so credit union compliance and collections run in one system and your partners see only their own files.
Live with credit unions today · Since 2003
Independently audited · SOC 2 Type 2 report · ISO 27001:2022 certified ISMS · Trust Center ↗
Who it’s for
Built for the people accountable when an examiner asks.
- 01
Compliance managers
Prove every SCRA, MLA, and bankruptcy check happened before the action that required it.
Military Search and Bankruptcy Search, called from your workflows, with results kept on the member record.
- 02
Collections & recovery leaders
Work delinquent consumer and auto loans through payment plans, agencies, repossession, and legal recovery without losing track.
The QBO platform: each account’s collection work as tracked cases, worklists, and ledgers.
- 03
IT & vendor management
Add capability without replacing the core, and give outside partners access without exposing member data.
File and API integration with your existing systems, and row-level access for every partner.
Military & bankruptcy compliance
The right check at every moment that requires one.
Military Search verifies active-duty status directly with the Department of Defense (DMDC), and Bankruptcy Search looks for filings in federal bankruptcy courts. Your workflows call them at the moments that matter, and every result and DoD certificate is saved on the member’s record as evidence.
SCRA
Every month
Re-check the loan portfolio on a schedule. Members already checked this month are skipped, so running it more often never duplicates searches.
SCRA · Bankruptcy
Before collection activity
Order checks from the collection case itself, and wait for the results before the next step runs.
SCRA · Bankruptcy
Before repossession or suit
Confirm military status as of the date that matters, and look for bankruptcy filings, so a protection or an automatic stay is never violated.
General information, not legal advice. Military Search is available to organizations with a permissible purpose only, not to consumers.
Collections & recovery
From first missed payment to final recovery, on one account.
Delinquent accounts
Record · Ledgers
Keep each loan’s principal, account balance, fees, payoff, and reinstatement amounts on ledgers, with the default reason, cease-and-desist status, and charge-off reason on the account.
Payment plans
Templates · Ledgers
Set up plans from templates with terms, down payment, recurring payment, grace period, and late charges, then record every payment, including the ones that fail and why.
Agency placements
Case · Ledgers
Place accounts with collection agencies as tracked cases, with commission and settlement rates, collected amounts, and remittances to the credit union.
Repossession
Case · Collateral
Run repossession as a case against the vehicle, with its make, model, year, VIN, and registration, and the lien documents the agent needs.
Legal recovery
Case · Documents
Refer an account for suit as its own case, with the attorney assigned, and keep settlement terms and amounts on the account.
Exceptions & review
Worklists
Route anything that needs a person, such as a positive military match or a bankruptcy hit, to the right team’s worklist, with due dates and escalation.
Agencies, agents & attorneys, in the same system
One member loan. Every partner sees only their part.
QBO’s extranet security filters every screen and API call by record, automatically. Give collection agencies, repossession agents, and attorneys direct access to the accounts they work, without emailing spreadsheets or exposing any other member’s data.
| Record | Credit union | Collection agency | Repossession agent | Attorney |
|---|---|---|---|---|
| Auto loan 20417 | Visible | Visible | Visible | Visible |
| Vehicle | Visible | Visible | Visible | Visible |
| Agency placement | Visible | Visible | Hidden | Hidden |
| Payment plan | Visible | Visible | Hidden | Hidden |
| Repossession | Visible | Hidden | Visible | Hidden |
| Deficiency suit | Visible | Hidden | Hidden | Visible |
| Military status certificate | Visible | Hidden | Hidden | Visible |
| Hardship review | Visible | Hidden | Hidden | Hidden |
Member communication
Letters, notices, and agreements from your own templates.
Generate letters and payment plan agreements in Word or PDF from the account’s data, send them for e-signature through DocuSign, and track certified mail. Email and text messages go out from templates, and replies link back to the right account.
Document generation and e-signature →Works with your core
Add the workflow without replacing the system of record.
Load accounts from scheduled files picked up from sFTP or Amazon S3, or through the API, validated before they land. Order credit reports through Credco and keep each report and its tradelines on the record. Charge stored payment methods through Authorize.Net.
See payment and data integrations →Live with credit unions
Credit unions run their compliance and collections on QBO today.
Placeholder · pending client approval
Credit union case study: the client’s name, the problem they solved, and one approved proof point will appear here once the client approves publication.
Request a 30-day trial
Try Military Search with your own records.
Tell us about your volume and how you'd like to connect. We'll set up a 30-day trial with clear success criteria.
SOC 2 Type 2 · ISO 27001:2022 · Trust Center ↗
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Trial request received.
We’ll contact you within one business day to agree on success criteria and set up your trial.
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FAQ
Credit union questions
Do we have to replace our core system?
No. QBO works alongside your core and loan systems. Load accounts from scheduled files (Excel, delimited, or fixed-width, picked up automatically from sFTP or Amazon S3) or through the API, and send results back the same way.
Can our members use Military Search?
No. Military Search is a business-to-business service for organizations with a permissible purpose to verify military status, such as credit unions verifying their own members’ loans. It is not available to consumers.
Can Military Search run inside our collection workflow?
Yes. A workflow step can order a military status check from the collection or repossession case and wait for the results, and a scheduled order can re-check the whole portfolio every month. Results and DoD certificates are saved on each member’s record.
Can our collection agencies, repossession agents, and attorneys log in?
Yes. Partners sign in to the same system and see only the accounts and cases assigned to them. Access is enforced on every screen and API call, and it updates as you assign or reassign work.
Can we take payments on a payment plan?
Yes. Stored payment methods can be charged through Authorize.Net, and payments are applied to the plan and the account’s ledgers.
How is our data secured?
The QBO platform has a SOC 2 Type 2 attestation report from A-LIGN, and the information security management system that protects it is certified to ISO 27001:2022. Unmasking a Social Security number requires a specific permission and is logged. Security documentation is available in the Quandis Trust Center at trust.quandis.com.