Does Hear come with checks for TILA or FTC rules?

No. Your compliance team writes the checks in plain English, with counsel, from your own policy, for example "the F&I manager does not describe any product as required for approval." When a rule or your policy changes, you edit the sentence. Hear does not give legal advice or decide what the law requires.

What happens when Hear flags something that is fine?

Every flag shows the quote, timestamp and audio behind it, so a reviewer can hear the moment and confirm or reject it. Decisions stay in the audit log. If a check flags too broadly, rewrite the sentence to say exactly what your policy means.

How much IT work does this take?

Your phone system stays as it is. Hear takes calls by SFTP, REST API, shared folder or webhook, including webhooks from Genesys, Cisco and 3CX. Hear can also review chats and emails from your sales and servicing channels.

We run several stores and a finance company. Can each keep its own standards?

Yes. Each rooftop, finance center or department can be its own project, with its own checks, permissions and retention. Group leadership can hold every store to the same written standard and still keep each store's calls and access separate.

How accurate is the AI scoring?

Every score comes with the evidence behind it — the exact quote, its timestamp and the audio — so your QA team can verify it. Reviewers can mark an answer helpful or not, exclude a timestamp, or reject a flag outright, and that feedback is stored against the conversation. You bring your own scorecard; Hear applies it to every conversation you ingest.

How does the conversation reach Hear?

Conversations are ingested from your recording storage — via SFTP, our upload API, or a scheduled sync — then transcribed, scored and routed automatically. Flags land as soon as the conversation is processed, not on a QA analyst's next sampling round.

How is our data handled?

Hear is ISO 27001, ISO 27799 and SOC 2 Type II certified, and is designed to align with GDPR. Sensitive data is redacted, access is audited, and your conversations are never used to train models for anyone else. A full security review package is delivered on day zero.

Does it work with our existing stack?

Hear sits alongside your stack rather than replacing it. Every flag and score can be delivered by email, into Slack, as an assigned task, or over an outbound webhook — and there's a REST API your CRM or ticketing system can call, so the output lands where your team already works.

What happens in the demo?

Thirty minutes: we walk through real conversations in Hear, show the QA, compliance and coaching output with the evidence behind each one, and answer the questions your leadership has been asking. If you want it run on your own audio, we'll set that up separately under an NDA.

One simple license — no per-module pricing, no surprise add-ons. We'll give you a concrete number in the demo once we understand your volume.

Book a demo

AI for auto finance contact centers

Know what your F&I team actually promised the customer.

The contract shows what the customer signed. The call shows what they were told. Hear checks 100% of your calls, not a 2% sample.

Every finance call reviewed. Your checks run on 100% of the F&I, sales and servicing calls you send to Hear, at every rooftop and every finance center.
Promises the paperwork doesn't back, flagged. Add-ons called required, payments quoted without terms and coverage claims beyond the contract surface in the speaker's exact words.
An answer to he said, she said, with the quote, timestamp and audio from the call itself, ready for a customer complaint, an attorney general inquiry or your counsel.

Proof, not promises

From sampling a fraction
to hearing 100%

Crocus & Primrose replaced manual call sampling with Hear — full coverage, faster QA, and coaching built on every conversation instead of a lucky few.

Conversation coverage

QA time reduction

Coaching efficiency

Sound familiar?

Where F&I risk hides between the menu and the contract

“The customer says our finance manager told her on the phone that GAP was required for the approval. He says he never said it.”
Without the call, a complaint comes down to two memories. Write the rule your process already follows, such as "no product is described as required to get approved." Hear checks every call you send against it and keeps the quote, timestamp and audio, so you answer with what was actually said.
“We quoted a payment over the phone. The contract came out higher, and now the customer thinks we packed it.”
A monthly number without its term, rate or what it includes is the part customers remember. Write checks for how your policy says payments are quoted, with the base payment stated before any product is offered, and Hear flags every call where a number went out without its terms.
“A collector told a late borrower we would get his registration suspended. We found out from the complaint.”
On the finance company side, servicing and collection calls carry their own risk: a threat your policy forbids, an extension promised and not honored, a GAP refund explained wrong. Hear checks every servicing and collection call against your standards and routes each flag to the team that owns it.
“The rules changed again this year. Our QA form still asks last year's questions.”
Auto finance rules keep moving at the federal and state level. In Hear, a check is a sentence your compliance team writes with counsel. When your policy changes, you rewrite the sentence, and the calls you send from then on are checked against the new version.

Signals

Checks an auto finance compliance team writes in Hear

Your team writes each check in plain English, from your F&I and collection policies and your reading of TILA, FTC rules and state law with counsel. Hear applies them to every call and marks the exact line behind each result.

Compliance: Your conduct and disclosure rules
Agent evaluation: Your scorecard, every agent
Customer satisfaction: How the customer left
Regular: Anything else you want extracted

Signals

Auto financing / dealerships · example project

Every conversation

No product described as required for approval
ComplianceF&I
Flag
Agent
“The bank's going to want GAP on this one, so I already built it into your payment.”
01:14
Base payment stated before products are offered
ComplianceF&I
Pass
Agent
“Your payment on the car alone is four eighty-nine a month for seventy-two months. Now let's look at the optional coverage.”
04:37
No add-on described as already installed
ComplianceSales and BDC
Flag
Agent
“The protection package is already on every car on the lot, so that's just part of the price.”
07:00
Credit decision explained without guessing
ComplianceCredit and funding
Pass
Agent
“I can't give you the reasons myself. You'll get them in writing, and I'm happy to go over that notice with you when it arrives.”
00:23
Repeat contact about a GAP refund
Customer satisfactionServicing
Flag
Customer
“This is my third call about my GAP refund since I paid the car off, and nobody can tell me where it is.”
03:46
No threat beyond your collection policy
ComplianceCollections
Flag
Agent
“If we don't see a payment today, we'll have your registration suspended.”
06:09

Illustrative examples. Your team defines the checks in plain English.

How it works

Live on your own conversations without an IT project

1
Connect what you already record
Recordings and transcripts arrive by SFTP, REST API, webhook or a shared folder. No change to your telephony or your recording setup.
2
Bring your rules
Your scorecard and your checks, written in plain English. Each department, desk or entity can run its own set.
3
Every conversation reviewed
Hear transcribes, redacts personal data and scores every conversation you send against your rules, not a sample.
4
Act on what matters
Flags arrive with the quote, timestamp and audio, by email, Slack or webhook, and become assigned tasks with an owner.

Security and governance

Ready for credit data and your IT review

Finance calls carry income details, account numbers, IDs and addresses. Your IT team will look at how Hear handles them before anything else.

ISO 27799, ISO 27001, SOC 2 Type II and GDPR compliance badges

Review our Trust Center

Applicant data redacted
Hear redacts names, emails, phone numbers, addresses, IDs, and card and account numbers from each transcript, and stores audio encrypted at rest.
A project per rooftop
Each store, finance center or department can have its own project, with its own checks, permissions and retention.
A person decides
Every flag cites its quote and timestamp. Reviewers can reject it, and audit logs keep the record of each decision.
Access you control
SSO/SAML, SCIM, role-based permissions and private tenants. Details are at trust.hear.ai.

Frequently Asked Questions

Find quick answers to the questions buyers ask us most

Still have questions?

Ask them on the call — we’ll answer with the product open.

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Hear what your customers were promised

Book a demo. The next step is a fixed-scope pilot: we audit a sample of your past calls against checks your team writes and show you the promises that do not match your process, with the quote and audio for each.

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Proof, not promises