Run Credit Application Compliance Audit — Free

Audit Setup and Store Readiness

Store location and audit date recorded

Record the store identifier, city/state, and audit date/time.

Credit application materials available at point of offer critical (required)

Required application forms, disclosures, and customer-facing materials are available where the offer is made.

Yes No N/A

Associate assigned to credit application process is identified

The associate handling the application can be identified and is authorized to present the offer.

Yes No N/A

Application workstation or device is secure and not publicly exposed critical (required)

Customer data entry area is positioned to reduce unauthorized viewing and access.

Yes No N/A

Required compliance reference or SOP is available to associate

Current process guidance for disclosures, consent, and submission handling is accessible to the associate.

Yes No N/A

Associate Disclosure Accuracy

Annual fee, APR, and key terms were disclosed accurately critical (required)

The associate stated the core pricing and account terms without omission or contradiction to the approved disclosure.

Yes No N/A

Promotional benefits were described without exaggeration

Rewards, discounts, or promotional offers were presented in a balanced and accurate manner.

Yes No N/A

Required adverse or qualifying terms were disclosed critical (required)

Any limitations, exclusions, deferred interest conditions, or other qualifying terms were communicated when applicable.

Yes No N/A

Associate avoided misleading pressure or guaranteed approval statements critical (required)

The associate did not imply guaranteed approval, instant approval, or other unsupported claims.

Yes No N/A

Disclosure delivery was clear and understandable

Rate whether the associate communicated the disclosures in a clear, audible, and customer-understandable manner.

Customer Consent and Application Documentation

Customer consent obtained before application submission critical (required)

The customer explicitly agreed to proceed before any submission or transmission of the application.

Yes No N/A

Consent method documented critical (required)

Select how consent was captured for the application.

Customer identity verification completed per process critical (required)

Identity verification steps required by the store process were completed before submission.

Yes No N/A

Application fields completed accurately and legibly

Required customer and application fields are complete, readable, and free of obvious errors or omissions.

Yes No N/A

Customer copy or confirmation provided

The customer received a copy, receipt, confirmation number, or equivalent proof of submission when required.

Yes No N/A

Application Submission Handling and Data Protection

Application submitted only through approved channel critical (required)

The application was transmitted using the authorized system or process only.

Yes No N/A

Customer data was not visible to unauthorized persons critical (required)

Screens, paper forms, and printed materials were protected from casual viewing by customers or other associates.

Yes No N/A

Paper documents handled and stored securely critical (required)

Any paper application or supporting documents were controlled, secured, and not left unattended.

Yes No N/A

Submission errors or exceptions escalated to supervisor or compliance contact

Any failed submission, system issue, or incomplete application was escalated according to procedure.

Yes No N/A

Closeout, Records, and Corrective Actions

Deficiencies documented with specific observations

Record each non-conformance with enough detail to support follow-up and remediation.

Corrective action owner assigned

Identify the person or role responsible for remediation of each deficiency.

Target completion date recorded

Enter the date and time by which corrective actions are expected to be completed.

Note (optional)

Inspector overall conclusion critical (required)

Select the final audit result.

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Run: Credit Application Compliance Audit

Audit Setup and Store Readiness

Associate Disclosure Accuracy

Customer Consent and Application Documentation

Application Submission Handling and Data Protection

Closeout, Records, and Corrective Actions

Get your results