Cincom

Cincom
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Automate Account Statements
and Financial Notices Without
Losing Accuracy or Control

Cincom Eloquence helps financial institutions produce and deliver account statements and financial notices accurately, consistently, and at any volume, across every channel your members rely on.

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One Platform for Every Notice Your Institution Is Required to Send

Financial institutions carry regulatory notice obligations across multiple federal frameworks, each with its own requirements and consequences. Cincom Eloquence centralizes the entire operation, so your team stays ahead of every one of them. 

Never miss a regulatory deadline with automated notice triggers  

Keep every notice accurate and approved across all channels

Walk into any examination with a complete audit trail already on record

Reach every member through their preferred channel

Manage US and EU regulatory obligations from a single platform

Watch how financial institutions are managing
their entire regulatory notice operation
with Cincom Eloquence.

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Built for Compliance. Designed for Operations

Every capability addresses a specific gap in how financial institutions manage their regulatory notice obligations today. 

Always Working<br> With Your Existing Systems
Always Working
With Your Existing Systems
Your core platform holds the data that drives every regulatory notice. When that data flows directly into a governed template library, compliance teams control content, manage approvals, and publish updates across all channels without rebuilding what already works.
Notices That Go Out<br> Without Anyone<br> Chasing Them 
Notices That Go Out
Without Anyone
Chasing Them 
Delinquency milestones, completed applications, rate change events, and error resolution receipts each start a regulatory clock. Conditional logic determines which notice applies to which member automatically, so the right workflow initiates without manual monitoring or intervention.
Reaching Members on<br> Their Terms 
Reaching Members on
Their Terms 
Every notice reaches members through their preferred channel, whether print mail, email, SMS, or secure digital portal. E-SIGN consent and channel preference are tracked at the individual level, so compliant content always arrives in the right format. 
Ready for Any <br>Audit, at Any Time 
Ready for Any
Audit, at Any Time 
Every notice sent comes with a calculated metadata record capturing the template version, delivery timestamp, business data, channel, and outcome. This record can populate any EDM, ECM, CRM or Audit Trail system giving financial services teams a defensible foundation for regulatory disclosure automation. Undeliverable notices are identified in the system and can trigger external system for manual or automatic remediation.
One Platform for US<br>and EU Obligations
One Platform for US
and EU Obligations
Institutions operating across borders manage CFPB, DCC2 Regulations B, E, X, Z, and F alongside GDPR, DORA, and PSD2 obligations from a single platform. Jurisdiction-aware rule sets automatically apply the correct requirements.
Built to Scale with<br> Your Institution
Built to Scale with
Your Institution
Whether your institution processes hundreds of notices a month or hundreds of thousands, on-demand and batch processing handle both without adding operational overhead.

Discover how Cincom Eloquence brings
precision and compliance to every regulatory
notice your institution is required to send. 

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Trusted by Financial Institutions Built on Accountability

finance case study

“Cincom worked with us on architecting the right solution for our unique needs throughout the process. They made sure the final system worked for us versus having us adapt to their standard offering, that demonstrated a real partner attitude.”
~ Chief Information Officer,
Everence

Read Full Case Study

Your Next Examination Is Already
on the Calendar

See how Cincom Eloquence helps your institution walk into every regulatory examination with every notice documented, every deadline met, and every channel accounted for.

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Talk to an Expert 

Frequently Asked Questions

1. How does the platform handle notice timing across different regulations simultaneously?

Each regulation has its own configured rule set. When a qualifying event occurs, CFPB notice automation initiates the correct workflow automatically without any manual coordination.

Every communication sent by Cincom Eloquence is tracked in the system whatever their final status. In case of a delivery failure on an electronic channel, an alert can be sent to any third-party system including business application, monitoring system, business users in order to manage a remediation process (manual or automatic).

Every notice sent comes with a calculated metadata record capturing the template version, delivery timestamp, business data, channel, and outcome. This record can populate any EDM, ECM, CRM or Audit Trail system giving financial services teams a defensible foundation for regulatory disclosure automation.

Yes. Template governance is role-based. Compliance teams control content and approvals while operations manages delivery. Nothing goes out without following your defined approval workflow.

Eloquence integrates with your existing core banking platform and CRM. Integration is done through a set of simple API which can be integrated seamlessly with your current workflows without replacing any existing infrastructure. Typical installation, configuration and integration is less than a month. Other deployment tasks such as template definition and creation are mainly dependent on the volume of templates (which can be generally combined and reduced by a 3 to 5 ratio factor compared to previous implementation.

Cloud-based, on-premises, and hybrid. Your institution chooses the model that aligns with its existing infrastructure, security policies, and compliance requirements.