# CFPB — Consumer Complaint Response & UDAAP Compliance

> Draft and validate consumer complaint management programme and UDAAP compliance documentation for CFPB-supervised entities. Covers complaint response timelines, UDAAP risk assessment, fair lending, and board reporting.



Tags: CFPB, UDAAP, United States, Financial Services, Compliance


## Example Prompts

- Draft our CFPB complaint response procedure with 15-day and 60-day timelines
- Check our UDAAP risk assessment for the three-part unfairness test
- Add complaint taxonomy and board reporting cadence to our programme

URL: https://rakenne.app/skills/us-cfpb-complaint-udaap-compliance/index.md

Try this skill: https://rakenne.app/a/?skill=us-cfpb-complaint-udaap-compliance



## Overview

Draft and validate consumer complaint management programme and UDAAP compliance documentation for CFPB-supervised entities. Covers complaint response timelines, UDAAP risk assessment, fair lending, and board reporting.

## Example Conversation

> **You:** We need a complaint programme with 15-day and 60-day CFPB portal response timelines, UDAAP risk assessment with the three-part unfairness test, complaint taxonomy, root cause analysis, fair lending, and board reporting cadence.

> **Agent:** I'll draft the programme using the CFPB/UDAAP checklist and template, then run `cfpb_complaint_program_checker` to verify coverage.

> **Agent:** Created `complaint-udaap-program.md`. Running `cfpb_complaint_program_checker`...

> **Agent:** **FAIL** — three_part_test and board_reporting missing. I've added the three-part test (substantial injury, not reasonably avoidable, not outweighed by benefits) and quarterly board reporting. Re-running...

> **Agent:** **PASS** — all required CFPB complaint and UDAAP elements are present. Ready for compliance or exam preparation.

## What the Tools Validate

**`cfpb_complaint_program_checker`** scans the complaint/UDAAP document:

- **Required areas:** Complaint response timeline (15-day / 60-day for CFPB portal), UDAAP risk assessment with three-part unfairness test (substantial injury, not reasonably avoidable, not outweighed by benefits), complaint taxonomy (CFPB product categories), root cause analysis procedure, fair lending (ECOA/Reg B), board-level reporting cadence.
- **Rule:** Each area must be clearly addressed.
- **Output:** PASS if all elements are present; FAIL with a list of missing areas. Add content and re-run until PASS.

## Output Excerpt

**Complaint/UDAAP programme (excerpt):**

```markdown
## CFPB portal response
Standard complaints: response within 15 days. Complex: up to 60 days with extension notice.

## UDAAP risk assessment — three-part unfairness test
We assess whether a practice: (1) causes or is likely to cause substantial injury, (2) is not reasonably avoidable by the consumer, (3) is not outweighed by benefits to consumers or competition.

## Board reporting
Complaint metrics, trends, and remediation reported to the board quarterly.
```

**cfpb_complaint_program_checker report (excerpt):**

```
=== CFPB COMPLAINT PROGRAM CHECKER ===
Result: PASS

Document: complaint-udaap-program.md
All required CFPB complaint/UDAAP elements present.
Documentation meets CFPB supervisory expectations.
```

## Getting Started

Add your source materials to the project workspace, then activate the *CFPB — Consumer Complaint Response & UDAAP Compliance* skill. The agent will guide you through the process step by step.


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