Dispute intake starts compliance clock
When a dispute is opened, DeadlineShield starts the regulatory clock. Reg E, Reg Z, and card network timelines are calculated automatically based on dispute type and date.
Banking / Disputes ← Agent Directory
Your examiners don't ask if you tracked the deadline.
They ask if you met it.
DeadlineShield converts Reg E, Reg Z, and card network dispute deadlines into architectural enforcement gates rather than bypassable alerts. When a deadline arrives without the required action, the gate holds.
Become a design partner Reg E + Z Regulations enforced
100% Audit trail coverage
5,000+ US banks at risk
30 days Design partner pilot
What It Does
Deadlines become enforcement gates in your system, not bypassable alerts. Zero core banking changes required. Co-authored case study upon pilot completion.
Enforcement, not reminders
The $175M Block/Cash App penalty and $870M Zelle case both trace to the same root cause: systems that alerted but didn't enforce. DeadlineShield is architectural enforcement — a gate that holds the case until the action is complete, with a full immutable audit trail for every examiner who asks.
How It Works
Investigation gate enforces action
When a deadline arrives without the required action, the gate holds. Provisional credit must post, investigation must complete, or the case escalates — no exceptions.
Extended deadline enforcement
Subsequent gates enforce extension deadlines, notice obligations, and resolution requirements. Each gate is immutable once set.
Complete immutable audit trail
Every gate event, action taken, timestamp, and enforcement decision is logged. Examiner-ready from day one. No reconstruction required.
Alerts that get bypassed become violations that get penalized.
Fiserv, FIS, FINBOA, Quavo — they all send deadline alerts. Alerts get lost, missed, or routed to the wrong queue. At scale, missed deadlines become systematic violations. Systematic violations become consent orders.
Alerts get lost
Current tools send bypassable alerts. They get snoozed, missed, or routed to the wrong queue. The deadline passes. The violation accumulates.
$175M Block/Cash App. $870M Zelle.
Systematic deadline violations across thousands of disputes produce regulatory penalties that dwarf the cost of enforcement infrastructure.
Audits reveal the pattern
Individual missed deadlines look like errors. At scale, they look like policy. Examiners distinguish between isolated failures and systemic process gaps.
5 design partner slots. 30-day free pilot. Zero core banking changes.
FAQ
Frequently Asked Questions
What regulations does DeadlineShield enforce?
Reg E (Electronic Fund Transfer Act), Reg Z (Truth in Lending), and card network dispute timelines from Visa, Mastercard, and AMEX. Deadlines vary by dispute type, date, and network — all calculated automatically.
Does DeadlineShield require changes to our core banking system?
No. DeadlineShield integrates with your existing dispute management system via API. No core banking changes required. The 30-day design partner pilot confirms integration before any commitment.
What happens when a gate fires and the required action hasn't been taken?
The case escalates to the defined escalation path — supervisor queue, compliance officer, or automated provisional credit posting. The gate holds until the action is completed and confirmed.
How does DeadlineShield differ from tools like FINBOA or Quavo?
Existing tools send alerts. Alerts can be bypassed. DeadlineShield converts deadlines into architectural enforcement gates — the case cannot proceed past the gate without the required action being completed.
What does the audit trail include?
Every gate creation, trigger, action taken, escalation, and resolution — with timestamps, user IDs, and regulatory citations. Formatted for examiner review and CFPB examination readiness.