The rules run whether you remember them or not.
What it is
Compliance in most mortgage stacks is a policy document and a person who remembers. That works right up until the day it does not, and the day it does not is expensive.
Leaf360 puts the rules in the system that places the call and sends the text. Outbound Compliance in Settings holds six tabs: Calling Hours, DNC, SMS, Recording, Consent and Campaign. They save together, and the first time anyone at your company opens the screen Leaf360 fills in sensible defaults so there is nothing to build from scratch.
Some of it is not adjustable on purpose. Leaf360 applies its own shorter calling windows in the states that require them no matter what your default hours say, and swaps in all-party consent recording wording when it can tell the caller's state requires it. That table is not editable, which is the point.
How it works, day to day
Set it once with an admin, then let it run. The controls live in Settings under Security and Compliance, and only admins, owners and the compliance role can see them.
- 1
Set your calling window
A default start and end time, 8 AM to 9 PM out of the box. Nothing here lets you set hours by state, because Leaf360 applies its own shorter windows for the states that require them regardless of what you set.
- 2
Turn on the Do Not Call checks
Federal, state and your own internal list, each a separate switch, with a scrub frequency in days and an option to add a contact to your internal list automatically when they ask to be removed. Federal is on by default.
- 3
Decide how texting behaves
Double opt-in holds a new marketing subscriber as pending until they reply YES. HELP and STOP replies are wired to your live number. Quiet hours and a per-contact daily message cap sit on the same tab.
- 4
Handle the recording disclosure
Set the disclosure wording and whether it plays automatically. When Leaf360 can tell the caller is in an all-party consent state, it swaps in stricter wording instead of yours.
- 5
Track consent, and route the work
Require express written consent for marketing, expire consent records after a number of days, and decide what happens when consent is ambiguous. On the team side, roles, lead and loan routing, and company-paid or self-paid seats are managed the same way.
What you get
What the system enforces on your behalf.
Calling hours, including stricter state windows
Leaf360 will not place a call outside your hours, and applies shorter windows in the states that require them. That table is not editable.
Do Not Call scrubbing
Federal registry, state lists and your own internal list, on a re-check schedule you set, with automatic add on request.
Text opt-in, opt-out and quiet hours
Double opt-in held until the contact replies YES, live HELP and STOP replies, opt-out wording appended to automated sends, quiet hours and a daily cap.
Recording disclosure by state
Your wording by default, stricter all-party consent wording swapped in automatically when the caller's state requires it.
Consent tracking
Express written consent for marketing, consent expiry in days, a rule for ambiguous consent, and third-party lead consent.
Team roles, routing and seats
Invite, edit and deactivate members, set roles and permissions, route unassigned records to the right person, and choose company-paid or self-paid seats.
Everything in team, security & compliance
Straight off the plan comparison, with the plan each one starts on.
- Advanced team management & rolesCore and up
Invite, edit and deactivate members, set roles and permissions, and see who holds which seat.
- Lead & loan routing to teamsCore and up
Group people into teams and send unassigned leads, loans and contacts to the right person automatically.
- Company-paid or self-paid seatsCore and up
An admin decides who the company pays for and who pays for their own seat, and can switch either way.
- Calling hours enforced automatically, including stricter state windowsPro and up
Leaf360 won't place a call outside your hours, and applies shorter windows in states that require them.
- Do Not Call scrubbing against federal, state & your own listPro and up
Contacts are checked against the federal registry, state lists and your company's own list, on a schedule you set.
- Text opt-in, opt-out & quiet hours handled for youPro and up
Double opt-in, STOP and HELP replies, opt-out wording and quiet hours, managed by Leaf360.
- Call recording disclosure, with all-party consent states handled automaticallyPro and up
The disclosure plays before the call connects, and stricter wording swaps in when the caller's state requires everyone to consent.
- Consent tracking for marketing outreachPro and up
Record and expire consent for marketing, and decide what happens when a contact's consent status is unclear.
- Advanced security & admin controlsEnterprise
The admin depth an enterprise buyer's security review asks for.
- Custom seats & volume pricingEnterprise
Seat counts and pricing agreed with us rather than read off the pricing page.
Why it matters for a loan officer
You are not going to read a state-by-state calling-hours table before you dial. Nobody does. The honest options are a system that knows it for you, or a policy you are quietly out of compliance with.
There is a second reason, less discussed. Compliance you have to remember is compliance you cannot delegate. Once the rules live in the system, an assistant or a new hire can work your pipeline without you standing over them.
- A call outside the window does not get placed, including in the states with shorter windows.
- A contact who texts STOP is opted out and told, without anyone watching the inbox.
- The recording disclosure changes wording by state on its own, so a two-party state is not a mistake waiting to happen.
- Scrubbing runs on a schedule instead of on somebody's memory.
In the help center
Elsewhere on the site
Questions
Yes, and you cannot switch it off. You set a default start and end time, 8 AM to 9 PM out of the box, and Leaf360 applies its own shorter calling windows for the handful of states that require them regardless of what you set. There is no per-state table for you to configure or get wrong.
Put the rules in the system.
Start free, and add the line when you are ready to call. The compliance controls come with it.
Free plan. No credit card. Published pricing.