Civara helps financial institutions meet fair lending regulations and explain every credit decision clearly, with lightweight, auditable AI infrastructure
From adverse action notices to borrower guidance, Civara turns black-box underwriting decisions into transparent, regulator-ready explanations, without changing your models
How Civara Works
Lender sends decision and feature data
Plug Civara into your pipeline. Share a record of the credit decision and the key financial features behind it.
Civara generates clear explanations
We interpret your logic and return a plain-language summary for borrowers, plus internal audit logs and compliance-ready documentation.
Lenders stay transparent and protected
Use Civara to meet ECOA, CFPB, and emerging state-level AI rules with confidence.
We monitor regulations across all 50 states, so your explanations are always up to date.
Why Civara
Civara exists to help financial institutions navigate a new era of AI-driven compliance.
As underwriting becomes more complex, and regulators demand better transparency, lenders are under pressure to explain every decision, protect against bias, and avoid costly lawsuits.
Civara is the missing layer.
We provide lenders with clear, auditable explanations for every approval or denial, tailored for regulators, auditors, and borrowers alike.
We believe that responsible lending requires more than just accurate risk models; it requires accountability, transparency, and fairness.
That’s why Civara is model-agnostic, borrower-friendly, and built from day one with compliance in mind.
See how Civara can enhance your existing underwriting flow. Schedule a quick meeting to explore.
We’re currently onboarding select pilot partners, banks, credit unions, and fintech lenders who want smarter visibility on unscorable applicants.
Privacy Policy
Effective Date: 7/20/25
Civara respects your privacy and is committed to protecting information you provide through this platform.
What We Collect
Civara’s decision-support tool collects applicant feature data such as rent payment history, average bank balances, and expense ratios solely to generate risk assessments for lenders.
We do not collect, store, or retain any personally identifiable information (PII) such as names, addresses, emails, phone numbers, or Social Security Numbers.
How We Use Data
We may store fully anonymized, de-identified records of applicant feature data for the sole purpose of improving the performance, accuracy, and fairness of our predictive models.
These records contain no identifiers and cannot be used to reconstruct or identify any individual applicant.
Third-Party Sharing
We do not sell or share collected data with third parties, except to the submitting lender or financial institution for the purpose of providing the Civara risk estimation output.
Cookies and Analytics
Civara’s website may use standard analytics tools (e.g., Google Analytics) to understand site usage patterns. No PII is collected through these analytics tools.
Security
Civara takes reasonable precautions to protect data, but this site is currently in prototype and pilot stages and should be used accordingly.
Contact
For any questions, please contact:
Morgan Miner — morgan@getcivara.com