The problem
Under pressure, reps default to forbearance when a repayment plan would serve the borrower better – exactly the steering regulators look for.
What changes
- Repayment plans considered before forbearance
- Documented rationale for every recommendation
- Consistent handling across reps and channels
Full specification
The complete specification for Forbearance and Hardship Options Agent is shared with your team under NDA as part of a demo or evaluation. It covers:
- Step-by-step workflow and human approval points
- Tools, systems and access levels
- Guardrails and regulatory mapping
- Handoffs to other agents and teams
- Evaluation set (L1–L5) and results
- Model risk documentation