UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) is intentionally broad. It doesn’t require intent—just the perception of harm. That makes it both a powerful and risky regulation for financial institutions to navigate

As enforcement increases and states develop their own rules, compliance teams face mounting pressure to test everything—without slowing down the business.

That’s where Cable comes in. Our platform automates UDAAP testing across marketing materials, disclosures, and customer agreements—so you can move faster, safer.

When Manual Review Breaks the System

Traditionally, banks and fintechs only sample a small subset of disclosures—such as fee schedules and account-opening documents—as well as marketing materials, hoping they’ll catch any issues before they become regulatory concerns.

That’s a problem for two reasons:

• Risky: You’re potentially missing non-compliant or misleading content across the majority of what you don’t test.
• Tedious: Full manual review across fragmented formats is slow, error-prone, and often delays marketing campaigns.

Cable automates testing across 100% of your disclosures, eliminating gaps, guesswork, and regulatory risk. No more digging through PDFs or hoping a problem won’t be found first by a regulator.

The Compliance Landscape Is Fragmenting

UDAAP is no longer just a federal issue. Now, 50 states are building their own enforcement agendas.

• California might flag something as deceptive that Florida doesn’t.
• Georgia might fine where New York advises.
• The CFPB is still active—but with less predictability.

You’re not managing one rule. You’re managing 50. Automation is how you keep up—without multiplying your workload.

Scale Trust Without Slowing Down

Manual reviews can’t keep up with this complexity—or scale.

Regulators now expect proactive, holistic testing that matches the size of your operations. Cable enables:

1. Automated UDAAP testing across 100% of your disclosures and marketing materials
2. Real-time alerts when controls fail
3. Customizable rules based on your product, customer base, and risk appetite
4. A full audit trail to share with your board and regulators

This isn’t just a compliance tool. It’s a strategic operating system for building trust.

Turn Compliance Into a Performance Driver

Top compliance teams aren’t just reacting to regulation—they’re enabling the business.

With Cable, UDAAP control testing becomes an engine for speed and scalability:

• Faster marketing reviews
• Shorter product launch cycles
• Reduced manual workload for internal teams
• Consistent, audit-ready controls across channels

Compliance isn’t just about staying out of trouble — it’s about unlocking performance.

Ready to move faster—without compromise? Book a demo and see how Cable helps compliance become your growth engine.