Quandis Military Search streamlines compliance by providing real-time verification of military status under the MLA and SCRA regulations.
With QMS, quickly verify if customers are covered by these laws, ensuring compliance and protecting servicemembers’ rights with instant results and monitoring.
SCRA and MLA differ greatly in terms of coverage, timing of coverage,
disclosure requirements, and interest rate calculation and caps.
Servicemembers on pre-service debts when they subsequently become active duty after opening an account.
Active duty servicemembers and their dependents at time of origination.
Caps interest rate charges, including fees, at 6 percent.
Caps interest and fees at 36 percent MAPR and requires the effective MAPR to be calculated each month for open-ended credit.
Requires disclosures be provided by mortgage servicers on mortgages at 45 days of delinquency.
Disclosure must occur when the borrower becomes obligated for the transaction, or at the time the account was established.
The QMS product suite provides a range of services designed to meet diverse compliance needs. Here
are some common use cases demonstrating how our clients effectively utilize our services
Whether you’re a fintech lender, financial services firm, or a debt collector, QMS can provide a solution to fit
your specific use case. Here are some common use cases and how QMS provided a solution.
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We offer OpenAPI (see our API): integrate with us directly into your CMS or call center apps
Data exchange via HTTPS or sFTP is seamless; other protocols may require some setup time.
Data is encrypted at rest (using PGP, TDE) to meet strict security standards.
Support for a “pickup model” for clients who can’t accept inbound transactions or have restricted firewalls.
Prioritize batches: QMS handles real-time call center lookups with high priority, while batch monitoring is set to low.
If DoD’s site is down, orders are queued until it’s back online—nothing is lost.
Fully automated QMS; no manual handling unless specifically requested.
Distributed servers across the U.S. to align with DoD compliance.
Auto-scaling infrastructure ensures we can handle sudden volume spikes.
You need to provide borrower details such as name, address, and social security number to perform a thorough search.
Yes, data is transmitted securely via encrypted channels, ensuring the protection of sensitive borrower and case information.
QMS provides audit logs and confirmation reports to validate the data submitted to the Department of Defense.
Quandis employees follow strict data privacy protocols, ensuring no unauthorized access or misuse of sensitive information.
Yes, QMS supports customizable data formats such as XML and JSON, adapting to your existing systems.
Yes, all processed data is encrypted and stored securely, adhering to industry-standard security practices and compliance requirements.
Yes, QMS can integrate with existing endpoints, enabling seamless data exchange and automation within your systems.
Data is retained based on your organization’s specific retention policy, complying with legal and regulatory requirements.
Yes, QMS is scalable and can handle high volumes of searches efficiently, meeting large-scale operational needs.
No, Quandis does not alter data points; it submits accurate information and returns results exactly as provided by the SCRA.
Let’s discuss how Quandis Military Search (QMS) can help you stay compliant
and simplify your workflow. Reach out to us today to explore how we can
support your business needs.
