Future Proof · 2026-07-03 · 45 min
Send us Fan Mail If one poorly governed AI voice campaign can wipe out a year of origination profit, are lenders really buying efficiency or just automating liability? In this episode of Future Proof , Melissa Langdale and James Duncan debrief the most recent conversation with John Henson , founder of Henson Legal, PLLC, and Melissa Grindel , Head of Compliance at ActiveComply, and tackle one of the trickiest questions in mortgage tech right now: how do lenders use AI voice to improve speed-to-lead without scaling regulatory exposure at the same time? Using the example of a recent industry class action lawsuit, they unpack why AI didn’t create the TCPA problem so much as industrialize it, the risks of ratifying vendor behavior, and the need for prior express written consent, disclosure, opt-out handling, and auditable chain-of-custody records. The discussion also broadens beyond TCPA into UDAAP, fair lending, licensable activity, and vendor due diligence - because the lender, not the vendor, owns the risk.
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