Tractfile
A Section 1071 readiness, collection, firewall, geocoding, edit-check, and filing-evidence workspace for covered smaller lenders, with every rule and submission pinned to its authoritative version.
The supplied research confirms a 2026 CFPB rule, a January 2028 compliance date, a June 2029 first filing, enterprise competitors, and a usable public geocoder. Tractfile's opportunity is a smaller-lender operating system that begins during pre-compliance data preparation. Its core is not a form generator: it must preserve coverage determinations, application events, demographic-data separation, address and tract evidence, corrections, rule versions, approvals, and regulator acknowledgements without allowing protected information into prohibited decision paths.
The compliance, fair-lending, operations, or data leader at a potentially covered community lender, CDFI, credit union, or fintech small-business lender.
January 2028 compliance and June 2029 filing dates make readiness work current.
Covered smaller lenders have named compliance, fair-lending, operations, and data owners.
The input carries regulatory and competitor evidence but moderate independent convergence.
A dated federal rule, clear compliance owner, structured data job, enterprise competition, and a smaller-lender packaging gap support the concept.
Rule implementation can change, coverage is fact-specific, integrations and validation are demanding, and the estimated covered population may be narrow.
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