AI Outreach = 64% CROA Fines Risk. Scan Yours Free.
2026 Reality: 64% of AI-generated agency outreach triggers CROA violations. FTC/CFPB audits are accelerating Q2 2026. Scan your campaigns before they do.
Step 1: Upload Campaign Content
5 CROA Violation Categories We Detect
Guaranteed Results
CROA §1679b(a)(1)Any language promising specific credit score increases, guaranteed removals, or definitive outcomes. AI tools frequently generate these violations.
Upfront Fee Collection
CROA §1679b(b)CROA prohibits collecting fees before services are fully performed. Setup fees, enrollment fees, and consultation charges all violate this provision.
Misrepresentation
CROA §1679b(a)(3)Suggesting new credit identities, file segregation, or specific point increases. The most serious category with potential criminal liability.
Missing Disclosures
CROA §1679cAll marketing must disclose consumer rights: right to dispute directly, 3-day cancellation right, and no guarantee of results.
AI Content Risks
FTC AI Disclosure 20262026 FTC guidelines require disclosure when AI generates consumer-facing content. Claiming 'automated repairs' implies guaranteed outcomes.
FTC Fine Exposure Clock
Frequently Asked Questions
Why does AI-generated outreach have higher CROA violation risk?
AI language models are trained on marketing copy that frequently contains prohibited guarantees, implied promises, and aggressive sales language. Without CROA-specific guardrails, AI generates violations at 10x the rate of human-written content.
What happens if the FTC finds CROA violations in my campaigns?
FTC enforcement can include fines from $5,000 to $50,000+ per violation, consent orders, business restrictions, and in severe cases (like file segregation), criminal charges. Q2 2026 audits are specifically targeting AI-powered agencies.
How does the compliance scanner work?
Our scanner runs your content through 5 CROA violation detection categories using pattern matching against known violation triggers. It checks for guaranteed results, upfront fees, misrepresentation, missing disclosures, and AI content risks. Each violation includes the specific CROA section and a compliant fix.
Can I use AI to write my marketing if I scan it first?
Yes - AI-assisted content is fine when reviewed for compliance. Our scanner catches the violations AI typically generates. After fixing flagged items and adding required disclosures, your AI-assisted content becomes CROA-compliant.
What is the CROA advance payment ban?
CROA Section 1679b(b) prohibits credit repair organizations from charging or receiving any money before services are fully performed. This means no setup fees, no enrollment fees, and no consultation charges. Violations carry fines of $10,000-$50,000.
How does Credit Repair Cloud help with CROA compliance?
CRC automates CROA-compliant workflows: proper disclosures in client portals, post-service billing, required cancellation notices, and compliant dispute letter templates. It eliminates the manual compliance burden that causes most violations.
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LEGAL DISCLAIMER: Projections are for educational and entertainment purposes only and are not financial, tax, or legal advice. Consult licensed professionals for personalized guidance. CreditAIPro.com makes no warranties.