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<div class="mb-playbook" data-pb-title="DeadlineShield: Compliance Enforcement Engine for Bank Dispute Deadlines" data-pb-description="DeadlineShield is the compliance enforcement engine for Reg E, Reg Z, and card network disputes. Deadlines become enforcement gates, not bypassable alerts. Built by MightyBot for banks and fintechs. SOC 2 Type II certified." data-pb-og-title="DeadlineShield: Compliance Enforcement Engine for Bank Dispute Deadlines" data-pb-og-description="Compliance deadlines as enforcement gates, not bypassable alerts. The dispute compliance engine for Reg E, Reg Z, and card network rules. 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Built by MightyBot." data-pb-twitter-image="https://cdn.prod.website-files.com/673ad7ebdf90a87e7aa3e9a8/69b39c0e628398b30bba5250_Open%20Graph.png"><style> .footer { text-align:center; padding:32px 0 0; margin-top:56px; border-top:1px solid var(--border); font-size:13px; color:var(--dim); background:#edeae3; margin-left:calc(-50vw + 50%); margin-right:calc(-50vw + 50%); padding:40px calc(50vw - 50%) 32px; } .footer a { color:var(--accent); } .footer .footer-links { margin-top:8px; } .footer .footer-links a { margin:0 10px; } .trust-card { background:var(--surface); border:1px solid var(--border); border-left:3px solid var(--green); border-radius:8px; padding:32px; display:flex; gap:28px; align-items:center; flex-wrap:wrap; } .trust-card .trust-copy { flex:1 1 420px; } .trust-card .trust-copy .eyebrow { color:var(--green); margin-bottom:10px; } .trust-card .trust-copy h3 { font-size:20px; color:var(--highlight); margin-top:0; margin-bottom:10px; } .trust-card .trust-copy p { font-size:14px; color:var(--dim); margin-bottom:0; } .trust-card img { width:120px; height:auto; flex:0 0 auto; } </style>  <nav class="topnav"> <div class="nav-inner"> <div class="nav-logo"> <img alt="DeadlineShield" src="https://s3.amazonaws.com/webflow-prod-assets/673ad7ebdf90a87e7aa3e9a8/69d77038c460c394495c3717_deadlineshield-logo-dark.svg" style="height:28px;"/> </div> <div class="nav-links"> <a href="#problem">Problem</a> <a href="#how-it-works">How It Works</a> <a href="#compare">Compare</a> <a href="#partner">Partner</a> </div> </div> </nav> <div class="page">  <div class="hero"> <div class="hero-left"> <div class="eyebrow">For Banks and Fintechs</div> <h1>Your examiners don't ask if you tracked the deadline. They ask if you met it.</h1> <div class="sub">DeadlineShield is the compliance enforcement engine for Reg E, Reg Z, and card network disputes. Deadlines become enforcement gates in your system, not bypassable alerts. When a deadline arrives without the required action, the gate holds. Full audit trail. Examination-ready from Day 0.</div> <p class="lede"><strong>What DeadlineShield does:</strong> it tracks every open dispute's compliance clock in real time and enforces the required action at each deadline: 10-day investigation, provisional credit, 45/90-day determination. If the action hasn't been taken, DeadlineShield holds the case and escalates to a named human with a full audit record. Your team stays in control. The system makes sure nothing slips.</p> <div class="cta-row"> <a class="btn btn-primary" href="https://calendly.com/mightybot-john/deadlineshield-design-partner-discovery?utm_source=mightybot&utm_medium=landing&utm_campaign=deadlineshield&utm_content=hero-cta" rel="noopener" target="_blank">Become a design partner</a> <a class="btn btn-secondary" href="#how-it-works">See how it works</a> </div> </div> <div class="hero-right"> <div class="stat-card"> <div class="num accent">Reg E + Reg Z</div> <div class="lbl">Regulations enforced</div> </div> <div class="stat-card"> <div class="num green">100%</div> <div class="lbl">Audit trail coverage</div> </div> <div class="stat-card"> <div class="num orange">5,000+</div> <div class="lbl">US banks at risk</div> </div> <div class="stat-card"> <div class="num">30 days</div> <div class="lbl">Design partner pilot</div> </div> </div> </div>  <div class="section"> <img alt="DeadlineShield compliance dashboard showing dispute portfolio, deadline exposure, and EFT dispute types" loading="lazy" src="https://s3.amazonaws.com/webflow-prod-assets/673ad7ebdf90a87e7aa3e9a8/69d8739cfd33b0b4efb150a8_deadlineshield-dashboard-v2.png" style="width:100%;border-radius:12px;box-shadow:0 2px 16px rgba(0,0,0,0.08);"/> </div> </div>  <div class="dark-band"> <div class="section"> <h2>The enforcement landscape has changed.</h2> <p class="section-sub">The <a href="https://www.consumerfinance.gov/enforcement/actions/" rel="noopener" target="_blank">CFPB levied $24.7 billion in enforcement actions</a> between 2021 and 2025. The largest Reg E penalty in history landed in January 2025. Every one of these failures started the same way: a system that sent alerts instead of enforcing deadlines.</p> <div class="grid-3"> <div class="penalty-card"> <div class="amount">$175M</div> <div class="entity">Block / Cash App</div> <div class="cause">Failed to investigate within Reg E timelines. Failed to provide provisional credits within 10 business days.</div> </div> <div class="penalty-card"> <div class="amount">$870M</div> <div class="entity">Zelle (JPMorgan / BofA / Wells)</div> <div class="cause">Failed to conduct reasonable investigations of error notices. Alleged consumer losses.</div> </div> <div class="penalty-card"> <div class="amount">$20.7M</div> <div class="entity">U.S. Bank / ReliaCard</div> <div class="cause">Failed to timely investigate prepaid card dispute notices. Froze accounts improperly.</div> </div> </div> </div> </div> <div class="page" style="padding-top:0;">  <div class="section"> <h2>What DeadlineShield covers</h2> <p class="section-sub">DeadlineShield is not a single-regulation tool. It enforces compliance clocks across the four regulatory frameworks that govern consumer dispute deadlines at US financial institutions.</p> <div class="grid-4"> <div class="reg-card"> <div class="reg-label">Primary</div> <h3>Reg E (EFT Disputes)</h3> <p>Debit card, ATM, ACH, P2P, and prepaid card error resolution under 12 CFR 1005.11.</p> <p class="deadlines"><strong>10 days</strong> to investigate or issue provisional credit. <strong>45/90 days</strong> for extended determination.</p> </div> <div class="reg-card"> <div class="reg-label">Supported</div> <h3>Reg Z (Credit Card)</h3> <p>Billing error disputes and credit card chargebacks under 12 CFR 1026.13.</p> <p class="deadlines"><strong>30 days</strong> to acknowledge. <strong>90 days</strong> (two billing cycles) to resolve.</p> </div> <div class="reg-card"> <div class="reg-label">Supported</div> <h3>Card Network Rules</h3> <p>Visa Claim Resolution and Mastercard chargeback timelines. Network-specific response windows and representment deadlines.</p> <p class="deadlines"><strong>30 days</strong> typical response window. Network-specific escalation clocks.</p> </div> <div class="reg-card"> <div class="reg-label">Supported</div> <h3>NACHA ACH Rules</h3> <p>Unauthorized entry return deadlines and ACH dispute resolution timelines under NACHA Operating Rules.</p> <p class="deadlines"><strong>2 business days</strong> for unauthorized return. <strong>60 days</strong> consumer notification window.</p> </div> </div> </div>  <div class="section"> <h2>Why banks fail compliance deadlines</h2> <p class="section-sub">Banks don't fail because they don't know the rules. They fail because their systems treat deadlines as email alerts that can be snoozed, ignored, or routed to someone who is on vacation.</p> <div class="grid-2"> <div class="def-card"> <h3>The compliance clock problem</h3> <p>When a consumer reports a dispute, a clock starts. Reg E gives your institution <strong>10 business days</strong> to investigate or issue a provisional credit. Reg Z gives <strong>30 days</strong> to acknowledge and <strong>two billing cycles</strong> to resolve. Card networks impose their own response windows. Each dispute can run four or more independent clocks at the same time.</p> <p>Miss a single clock and you owe the consumer a remedy. Miss a pattern of clocks and the CFPB owns your next three years.</p> </div> <div class="def-card"> <h3>Why alerts don't work</h3> <p>Multi-department routing causes systematic timeline breaches. Holiday calendars get miscounted. Provisional credits get mislabeled. Written confirmations delay investigation starts. An alert says "you should do this by Thursday." An enforcement gate says "you cannot proceed until this is done."</p> <p>Every penalty in the last three years traces back to the same root cause: the system complained, but didn't enforce.</p> </div> </div> </div>  <div class="section" id="problem"> <h2>Your current tool sends alerts. Here is what happens next.</h2> <p class="section-sub">Whether you use Fiserv Nautilus, FIS CBK, FINBOA, Quavo, or a spreadsheet, the failure

mode is the same. Alerts are not enforcement.</p> <div class="grid-3"> <div class="card"> <h3>The alert gets lost</h3> <p>Day 8 email: "Dispute #4721 approaching 10-day deadline." Your analyst is on PTO. The backup analyst has 47 other disputes. The email sits in a shared inbox. Day 11: the deadline passes. Nobody noticed.</p> </div> <div class="card"> <h3>The credit doesn't post</h3> <p>Your analyst knows the investigation needs more time. They request the extension. But the provisional credit doesn't post to the consumer's account because the GL integration is a manual step. The system tracks the intent. Reg E requires the action.</p> </div> <div class="card"> <h3>The audit finds the pattern</h3> <p>Six months later, the CFPB examiner pulls your dispute records and runs a timeline analysis. They find 23% of disputes exceeded the 10-day investigation window without a provisional credit. That is not a one-off mistake. That is a systematic violation.</p> </div> </div> </div>  <div class="section" id="how-it-works"> <h2>How DeadlineShield works</h2> <p class="section-sub">DeadlineShield replaces the alert model with an enforcement gate model. The system does not notify you that a deadline is approaching. It blocks the dispute from advancing until the required action is completed.</p> <div class="steps-list"> <div class="step-row"> <div class="step-num">1</div> <div class="step-body"> <h3>Dispute intake starts the clock</h3> <p>Consumer reports an error (phone, branch, online, mail). The compliance clock starts immediately on oral notice. DeadlineShield determines the clock variant: Reg E standard (10/45), Reg E extended (20/90), Reg Z (30/two billing cycles), or card network timeline. Every subsequent deadline is computed to the business day using your institution's actual holiday calendar.</p> </div> </div> <div class="step-row"> <div class="step-num">2</div> <div class="step-body"> <h3>Gate 1: Investigation deadline</h3> <p>At the deadline mark, the system enforces a gate. Either the investigation is complete and a determination has been made, or the required consumer remedy (provisional credit, acknowledgment letter) must be issued. If neither has happened, DeadlineShield holds the case and escalates to a named human with a full audit trail. No one can advance the dispute without completing the required action.</p> </div> </div> <div class="step-row"> <div class="step-num">3</div> <div class="step-body"> <h3>Gate 2: Extended deadline enforcement</h3> <p>If the investigation was extended, the next calendar deadline becomes the next gate. The investigation must be completed and the consumer notified within 3 business days. If provisional credit was issued and no error is found, 5 business days notice must be provided before debiting. Every sub-deadline has its own gate.</p> </div> </div> <div class="step-row"> <div class="step-num">4</div> <div class="step-body"> <h3>Complete audit trail</h3> <p>Every action, every gate passage, every escalation, and every human override is logged with timestamp, actor, and rationale. When the CFPB examiner asks "show me the timeline for Dispute #4721," your compliance team pulls a single document that answers every question. No reconstruction. No guesswork. The system was the audit trail from Day 0.</p> </div> </div> </div> </div>  <div class="section"> <div style="display:flex;gap:16px;margin:0;flex-wrap:nowrap;"> <img alt="Dispute compliance clock lifecycle" loading="lazy" src="https://s3.amazonaws.com/webflow-prod-assets/673ad7ebdf90a87e7aa3e9a8/69d7650ea136fbf15a562a0a_deadlineshield-run-lifecycle.png" style="width:50%;border-radius:12px;box-shadow:0 2px 16px rgba(0,0,0,0.08);"/> <img alt="Gate policies with priority levels" loading="lazy" src="https://s3.amazonaws.com/webflow-prod-assets/673ad7ebdf90a87e7aa3e9a8/69d7651228b45816eb9f1e4d_deadlineshield-gate-policies.png" style="width:50%;border-radius:12px;box-shadow:0 2px 16px rgba(0,0,0,0.08);"/> </div> </div>  <div class="section" id="compare"> <h2>Alerts vs. enforcement. That is the whole difference.</h2> <p class="section-sub">Every other tool in this market optimizes the workflow around compliance. DeadlineShield enforces compliance at the system level. The distinction matters when a CFPB examiner is reading your dispute logs.</p> <table> <thead> <tr> <th style="text-align:left;width:40%;">Capability</th> <th style="text-align:center;">Fiserv / FIS</th> <th style="text-align:center;">FINBOA</th> <th style="text-align:center;">Quavo</th> <th style="text-align:center;color:var(--accent);">DeadlineShield</th> </tr> </thead> <tbody> <tr> <td>Reg E deadline tracking</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td>Reg Z billing error tracking</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td>Card network dispute timelines (Visa, MC)</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td>NACHA ACH return deadlines</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td><strong>Missed deadline blocks case advancement</strong></td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td><strong>Multiple concurrent clocks per dispute</strong></td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td><strong>Mandatory auditable override on blocked gates</strong></td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td><strong>Immutable append-only audit trail</strong></td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td>Examiner-ready compliance reports</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td>Institution-specific business day calendar</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> <tr> <td>No core banking changes for pilot</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;">✓</td> <td style="text-align:center;color:var(--red);font-size:18px;">✗</td> <td style="text-align:center;color:var(--green);font-size:18px;font-weight:700;">✓</td> </tr> </tbody> </table> </div>  <div class="section"> <div style="display:flex;gap:16px;margin:0;flex-wrap:nowrap;"> <img alt="Immutable audit trail" loading="lazy" src="https://s3.amazonaws.com/webflow-prod-assets/673ad7ebdf90a87e7aa3e9a8/69d7651503064b530f64d6b2_deadlineshield-audit-trail.png" style="width:50%;border-radius:12px;box-shadow:0 2px 16px rgba(0,0,0,0.08);"/> <img alt="Evidence and attachments" loading="lazy" src="https://s3.amazonaws.com/webflow-prod-assets/673ad7ebdf90a87e7aa3e9a8/69d765199d7c17e14d6a0862_deadlineshield-evidence.png" style="width:50%;border-radius:12px;box-shadow:0 2px 16px rgba(0,0,0,0.08);"/> </div> </div>  <div class="section"> <h2>Built for bank examinations</h2> <p class="section-sub">When the examin

er arrives, they ask two questions: "Can you prove you met every deadline?" and "Can you prove your data is secure?" DeadlineShield is built to answer both.</p> <div class="grid-2"> <div class="card"> <h3>Encryption at Rest and in Transit</h3> <p>AES-256 encryption for stored data. TLS 1.3 for all data in transit. No plaintext dispute data at any layer.</p> </div> <div class="card"> <h3>Role-Based Access Control (RBAC)</h3> <p>Granular permissions by role: analyst, compliance officer, examiner (read-only), administrator. No shared logins.</p> </div> <div class="card"> <h3>Immutable Audit Trail</h3> <p>Every action timestamped with actor and rationale. No edits. No deletions. Append-only log that satisfies CFPB examination requirements.</p> </div> <div class="card"> <h3>Per-Institution Tenant Isolation</h3> <p>Each institution's data is logically isolated. No cross-tenant access. Separate encryption keys per tenant.</p> </div> <div class="card"> <h3>GLBA-Aligned Data Handling</h3> <p>Consumer financial data handled in accordance with Gramm-Leach-Bliley Act requirements for financial institution service providers.</p> </div> <div class="card"> <h3>Examiner-Ready Reports</h3> <p>Per-dispute timeline reports, compliance exposure summaries, and deadline adherence analytics exportable on demand. No manual assembly.</p> </div> </div> </div>  <div class="section" id="partner"> <div class="offer-box"> <h2>Design partner program</h2> <p>We are onboarding five banks or fintechs as design partners. You get the full DeadlineShield platform for 30 days while we calibrate the compliance enforcement engine against your institution's dispute workflow. In exchange, we co-author a case study and you introduce us to two peer institutions when the pilot completes.</p> <div class="offer-list"> <div class="offer-item"> <div class="n">30 days</div> <div class="l">Pilot</div> </div> <div class="offer-item"> <div class="n">5 slots</div> <div class="l">Design partners</div> </div> <div class="offer-item"> <div class="n">Zero</div> <div class="l">Core banking changes required</div> </div> </div> <a class="btn btn-primary" href="https://calendly.com/mightybot-john/deadlineshield-design-partner-discovery?utm_source=mightybot&utm_medium=landing&utm_campaign=deadlineshield&utm_content=offer-box-cta" rel="noopener" target="_blank">Request a slot</a> </div> </div>  <div class="section"> <h2>Frequently asked questions</h2> <div class="faq-item open" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>What is DeadlineShield in one sentence?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>DeadlineShield is a compliance enforcement engine that converts Reg E, Reg Z, and card network deadlines into gates that block a dispute from advancing until the required action is completed, with a full audit trail at every step.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>Does DeadlineShield integrate with our core banking system?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>For the design partner program, no core banking integration is required. DeadlineShield accepts dispute data via CSV upload or REST API. Your team continues to use their existing core banking system (FIS, Fiserv, Jack Henry) for transaction processing. Provisional credit posting remains a manual action in your core for the pilot. V1 builds API adapters for the Big Three core banking platforms so provisional credits can auto-post from a DeadlineShield gate trigger.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>Does DeadlineShield handle Reg Z (credit card disputes)?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>Yes. DeadlineShield enforces compliance clocks for Reg Z billing error disputes alongside Reg E EFT disputes. The same gate enforcement model applies: when a Reg Z acknowledgment deadline or resolution deadline arrives without the required action, the gate holds and escalates. It also covers Visa Claim Resolution and Mastercard chargeback timelines.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>How is DeadlineShield different from FINBOA?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>FINBOA is a workflow automation tool. It sends compliance alerts and routes disputes through configurable workflows. If a human misses an alert, the deadline passes and FINBOA logs it as overdue. DeadlineShield works differently: when a deadline arrives without the required action, the system holds the case and won't let you proceed until the action is taken. The failure mode in FINBOA is a missed email. The failure mode in DeadlineShield is a blocked gate that requires an explicit human override with an audit trail.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>How is DeadlineShield different from Quavo?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>Quavo is the market leader in dispute workflow automation, with $300M in funding and 12.5M disputes per year. Quavo optimizes the dispute investigation workflow and recently launched ARIA, an AI investigation agent. DeadlineShield is focused on a different layer: compliance enforcement, not investigation automation. Quavo makes your investigators faster. DeadlineShield makes sure your institution never misses a deadline regardless of how fast your investigators are. In a mature deployment, Quavo and DeadlineShield could coexist: Quavo handles the investigation workflow, DeadlineShield enforces the compliance clocks.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>What about ServiceNow Disputes Management?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>ServiceNow offers dispute workflow with Visa integration and configurable routing. It is a strong workflow platform. DeadlineShield's enforcement gate model means missed deadlines are structurally blocked, not just flagged as overdue in a dashboard. ServiceNow tracks whether a deadline was met. DeadlineShield makes sure it is met by holding the case until the required action is completed.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>What about Fiserv or FIS? We already have dispute management.</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>Fiserv has two dispute products and neither enforces compliance at the gate level. Nautilus Efficiency Manager handles Reg E disputes with email-based deadline alerts. Dispute Expert handles credit card chargebacks with Ethoca integration. FIS CBK uses RPA for chargeback processing. All three are workflow and process tools. None of them block a case when a deadline is missed. They track compliance; they don't enforce it.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>What data do you need from us to get started?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>Your institution's holiday calendar (which days you close for business) and a sample of open dispute records with intake dates, dispute types, and current status. Data can be provided via CSV upload or programmatic API integration. Most compliance teams can export from their existing system in an afternoon. We handle normalization. No PII is required for the pilot setup phase; we work with synthetic data until you are comfortable with the platform.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>How does DeadlineShield handle multiple concurrent clocks on the same dispute?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>A single consumer dispute can run four or more independent clocks simultaneously: the investigation deadline, the provisional credit deadline, the determination notification deadline, and the provisional credit reversal notice deadline. Each clock has its own gate. DeadlineShield tracks all of them independently, computes deadlines to the business day using your institution's calendar, and enforces each gate separately. This is the concurrent clock orchestration problem that spreadsheets and email alerts cannot solve.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>Who built DeadlineShield?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>DeadlineShield is built on the <a href="https://www.mightybot.ai">MightyBot</a> agent platform. MightyBot is SOC 2 Type II certified and serves regulated industries including banking, lending, and insurance.</p> </div> </div> <div class="faq-item" data-faq=""> <div class="faq-q" onclick="this.parentElement.classList.toggle('open')"> <h3>What happens after the 30 day pilot?</h3> <span class="faq-toggle">+</span> </div> <div class="faq-a"> <p>If DeadlineShield reduced your compliance exposure and your team trusts the e

nforcement gate model, we talk about a paid plan. If not, we shake hands and part ways. No auto-renewal, no lock-in, no surprise bill.</p> </div> </div> </div>  <div class="section"> <div class="offer-box"> <h2>2026 is the year of the audit.</h2> <p>Five design partner slots. First come, first served. If your institution processes consumer disputes, the CFPB examination cycle is tightening and the penalties are getting larger. Make sure your compliance posture is structural, not aspirational.</p> <a class="btn btn-primary" href="https://calendly.com/mightybot-john/deadlineshield-design-partner-discovery?utm_source=mightybot&utm_medium=landing&utm_campaign=deadlineshield&utm_content=final-cta" rel="noopener" target="_blank">Become a design partner</a> </div> </div>  <div class="section"> <h2>Built for regulated institutions</h2> <p class="section-sub">Dispute data is sensitive consumer financial information. DeadlineShield runs on infrastructure built for institutions that answer to regulators.</p> <div class="trust-card"> <div class="trust-copy"> <div class="eyebrow">Security and Compliance</div> <h3>SOC 2 Type II Certified</h3> <p>MightyBot is SOC 2 Type II certified, following a successful audit by an independent firm. The certification confirms MightyBot meets the rigorous standards of Security, Confidentiality, and Availability required to process sensitive consumer dispute data, investigation records, and compliance audit trails. Every data access is logged; every agent action is auditable end to end.</p> </div> <img alt="AICPA SOC 2 Type II certification badge" loading="lazy" src="https://cdn.prod.website-files.com/673ad7ebdf90a87e7aa3e9a8/682d8e7601846b89fdfdc740_aicpa-soc2.png"/> </div> </div> <div class="footer"> <p>DeadlineShield is a product of <a href="https://www.mightybot.ai">MightyBot</a>. Learn more about the MightyBot agent platform and its approach to policy-driven agents for regulated industries.</p> <div class="footer-links"> <a href="https://www.mightybot.ai">MightyBot home</a> · <a href="https://www.mightybot.ai/blog">Blog</a> · <a href="mailto:partners@mightybot.ai">Contact</a> </div> </div> </div>  <style> .faq-item { border-bottom:1px solid var(--border); } .faq-item:last-child { border-bottom:none; } .faq-q { display:flex; align-items:center; justify-content:space-between; cursor:pointer; padding:20px 0; } .faq-q h3 { font-size:16px; font-weight:700; color:var(--highlight); margin:0; flex:1; } .faq-toggle { font-size:22px; color:var(--dim); width:28px; text-align:center; flex-shrink:0; user-select:none; transition:transform 0.2s; } .faq-a { max-height:0; overflow:hidden; transition:max-height 0.3s ease; } .faq-a p { font-size:14px; color:var(--dim); margin-bottom:16px; line-height:1.65; } .faq-item.open .faq-a { max-height:500px; } .faq-item.open .faq-toggle { transform:rotate(45deg); } </style> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "Service", "name": "DeadlineShield", "alternateName": "DeadlineShield Compliance Enforcement Engine", "serviceType": "Compliance enforcement engine for bank dispute deadlines (Reg E, Reg Z, card network rules)", "description": "Compliance enforcement engine that converts Reg E, Reg Z, and card network deadlines into enforcement gates, making it structurally impossible for financial institutions to miss dispute deadlines without an explicit auditable override.", "url": "https://www.mightybot.ai/agents/deadlineshield", "provider": { "@type": "Organization", "name": "MightyBot", "url": "https://www.mightybot.ai", "logo": "https://cdn.prod.website-files.com/673ad7ebdf90a87e7aa3e9a8/673ad7ebdf90a87e7aa3ea36_Layer_1%20(4).png", "description": "Policy-driven AI agents that automate complex financial workflows with 99%+ accuracy. Built for regulated industries. SOC 2 Type II certified.", "hasCredential": { "@type": "EducationalOccupationalCredential", "credentialCategory": "certification", "name": "SOC 2 Type II", "recognizedBy": {"@type": "Organization", "name": "AICPA"} } }, "audience": { "@type": "BusinessAudience", "audienceType": "US banks, credit unions, and fintechs processing consumer dispute deadlines under Reg E, Reg Z, and card network rules" }, "offers": { "@type": "Offer", "name": "30-day design partner pilot", "price": "0", "priceCurrency": "USD", "description": "30-day design partner pilot for qualifying financial institutions. No core banking integration required for pilot." } } </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is DeadlineShield in one sentence?", "acceptedAnswer": {"@type": "Answer", "text": "DeadlineShield is a compliance enforcement engine that converts Reg E, Reg Z, and card network deadlines into gates that block a dispute from advancing until the required action is completed, with a full audit trail at every step."} }, { "@type": "Question", "name": "Does DeadlineShield integrate with core banking systems?", "acceptedAnswer": {"@type": "Answer", "text": "For the design partner program, no core banking integration is required. DeadlineShield accepts dispute data via CSV upload or REST API. V1 builds API adapters for FIS, Fiserv, and Jack Henry core banking platforms."} }, { "@type": "Question", "name": "Does DeadlineShield handle Reg Z (credit card disputes)?", "acceptedAnswer": {"@type": "Answer", "text": "Yes. DeadlineShield enforces compliance clocks for Reg Z billing error disputes alongside Reg E EFT disputes. The same gate enforcement model applies. It also covers Visa Claim Resolution and Mastercard chargeback timelines."} }, { "@type": "Question", "name": "How is DeadlineShield different from FINBOA?", "acceptedAnswer": {"@type": "Answer", "text": "FINBOA is a workflow automation tool that sends compliance alerts. If a human misses an alert, the deadline passes. DeadlineShield works differently: when a deadline arrives without the required action, the system holds the case and escalates. The failure mode in FINBOA is a missed email. The failure mode in DeadlineShield is a blocked gate that requires an explicit human override with audit trail."} }, { "@type": "Question", "name": "How is DeadlineShield different from Quavo?", "acceptedAnswer": {"@type": "Answer", "text": "Quavo optimizes the dispute investigation workflow with $300M in funding and 12.5M disputes per year. DeadlineShield is focused on compliance enforcement, not investigation automation. Quavo makes investigators faster. DeadlineShield makes sure the institution never misses a deadline regardless of investigator speed. In a mature deployment, both could coexist."} }, { "@type": "Question", "name": "What about ServiceNow Disputes Management?", "acceptedAnswer": {"@type": "Answer", "text": "ServiceNow offers dispute workflow with Visa integration. DeadlineShield's enforcement gate model means missed deadlines are structurally blocked, not just flagged as overdue in a dashboard. ServiceNow tracks whether a deadline was met. DeadlineShield makes sure it is met."} }, { "@type": "Question", "name": "What about Fiserv Nautilus or FIS CBK?", "acceptedAnswer": {"@type": "Answer", "text": "Fiserv Nautilus and FIS CBK provide email-based deadline alerts and basic dispute workflow routing as core banking modules. They are process tools, not compliance enforcement engines. None of them block a case when a deadline is missed. They track compliance; they don't enforce it."} }, { "@type": "Question", "name": "What data do you need to get started?", "acceptedAnswer": {"@type": "Answer", "text": "Your institution's holiday calendar and a sample of open dispute records with intake dates, dispute types, and current status. Data can be provided via CSV upload or programmatic API integration. No PII is required for pilot setup. 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