Whether you use a third-party cancellation platform or manage the process yourself — ClearCancel handles the FTE-heavy, expertise-driven work that has never been owned. Until now.
Every lender using a cancellation or refund solution has a workflow. What too many don't have is enough time or FTE working the problems inside that workflow — the exceptions, the rejections, the missing data, the refund quotes that don't reconcile.
Those accounts don't get resolved. They get deferred. They age. And every unworked exception is a compliance exposure sitting quietly on the books — waiting for an examination to find it.
ClearCancel's agents run overnight on your non-happy path accounts. By the time your team arrives, every problem has been diagnosed, every action has been drafted, and every escalation has been routed. Your FTE executes. They don't research.
That's the difference between a compliance program that keeps up — and one that falls behind.
Third-party cancellation and refund solutions facilitate the process. The lender manages the loan. The administrator manages the product. But no one has owned the critical, daily, FTE-heavy, exception review and variance analysis, in between — until now.
Two products. One platform. Both powered by the same AI-driven exception review engine and over a decade of aftermarket compliance expertise.
Most auto lenders manage aftermarket product cancellations without a third-party platform. They send dealer notifications by letter, mail-merge, or email — and rely on the dealer to process the cancellation and remit the refund. It's a common approach, but it leaves significant gaps in consistency, documentation, and portfolio visibility.
Data files arrive nightly. Agents process every exception automatically. By 8am, every finding is pre-processed, every action item is drafted, and your team executes — they don't research.
The more you share, the more we resolve. When lenders provide access to the RIC and each aftermarket product contract — ideally embedded in the nightly file, or delivered however works best for them — ClearCancel agents can independently validate refund calculations and resolve the vast majority of missing key data and tolerance exceptions exceptions overnight. Your team arrives to a pre-worked queue, focused only on the accounts that genuinely require human judgment.
Every capability built on over a decade of doing this work manually — now applied at scale through AI and automation.
Every exception worked overnight. Every action item drafted. Every escalation flagged. Your FTE arrives to a pre-processed queue — they execute, they don't research.
See the exception review pipeline, morning dashboard, and dealer remittance workflow running on real sample data — in fifteen minutes.