Pre-dispute · spoliation · GSE repurchase

Pre-Dispute Evidence File — GSE AI

Preserve the record in ordinary course — before the repurchase demand. When GSE QC samples a loan, counsel asks one question: can you produce the AI decision trail without rebuilding logs after the fact? That is spoliation exposure, not a compliance checkbox. Velaru locks policy first → signs each decision → stranger verify at /verify. LL-2026-04 (effective 6 Aug 2026) makes the inventory mandatory; the pre-dispute file is what survives discovery.

Run mortgage demo (~60s) Carrier demo (~10s) Verify a receipt Chatbot Proof (Art 50)

Spoliation beats spreadsheet. Post-hoc exports look manufactured. A rolling 90-day pre-dispute window + Handler Receipt frozen before the sample letter is ordinary-course preservation — the same posture FRCP 37(e) rewards and repurchase fights punish when missing.

GSE on-demand disclosure: 48-hour AI inventory per sampled loan. Most sellers still cannot produce it. ECOA adverse action + Freddie §1302.8 segregation — build one proof rail to the stricter standard.

1. Origination policy locked before AI-assisted underwriting (Handler Receipt — fair lending + GSE rules frozen)

2. Each governed credit decision signed — which model, which inputs, restraint receipts for policy-bound outputs

3. QC/regulator verifies at /verify — no Velaru login, no screenshot archive

4. GSE AI governance export + pre-dispute preservation pack (ordinary course before repurchase demand)

Pre-Dispute Evidence Sprint

$8,500

One origination workflow · spoliation-grade export · 50% on SOW

Up to 3 AI touchpoints (AUS, doc AI, pricing): $14,500
Pre-dispute export + verify link for QC / outside counsel file
Start before repurchase sample — not after the demand letter

Request SOW →

GSE Proof Monitor

$699/mo

Passive · auto-renew window · minimal your time

Auto-rolling 90-day pre-dispute window (mortgage domain)
Live status URL + export JSON for GSE QC audit pack
Chain monitoring — invoice monthly; cancel anytime
Enroll below — billing on status page

Enroll pre-dispute bundle

Free enrollment creates Handler Receipt + 90-day evidence window for mortgage / AI credit scoring. Optional monitor below — preserve in ordinary course before the sample letter.

Lender or servicer name Billing email (GSE Proof Monitor $699/mo) Policy authority (optional)

Add GSE Proof Monitor ($699/mo) — auto-renew window while active · invoice monthly · cancel anytime

Vertical: mortgage · regulatory clock: LL-2026-04 · Freddie §1302.8 · 343 mandate catalog · Live Index