FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

TILA Adjustment & Reimbursement Review

A Maintenance Fee has been incorrectly disclosed in the FedBox on your contract. Your Truth in Lending Act disclosures are incorrect for hundreds, maybe thousands of transactions. What do you do?

The Truth in Lending Act requires restitution when a disclosure error involves an understated APR or the finance charge exceeds the allowed tolerance. Penalties may result if the error was caused by gross negligence, a willful violation with intent to mislead, or a clear and consistent pattern or practice of violations emerge.

When mistakes have been made, what is a Lender to do? Especially if that Lender is under pressure with a 60-day ‘cure’ window and thousands of transactions to recast?

The Solution: Turn to Carleton

Carleton has 50 years in the Consumer Credit Industry. Our software calculates all different loan types in every state and territory every day of the week. Recasting thousands of transactions in a limited timeframe can only be done by an industry leader with a proven history of processing these difficult calculations. Our process computes reimbursement figures by applying the consensus approach found in the FFIEC’s Joint Statement of Policy regarding restitution.

Jeff Buysse, Vice President of Compliance Services, summed up the benefits of the Carleton reimbursement review services. “We have the ability to assist creditors in providing accurate remediation results addressing APR disclosure errors on either a small or large scale. A handful of transactions to remediate may be manageable for most creditors but if the issue is systemic in nature, there is a need to provide compliant reimbursement amounts for hundreds, or perhaps thousands, of non-compliant disclosures within a very tight time frame. Our primary objective is to help our clients redisclose accurate and compliant contract values and avoid potentially severe penalties.”

Carleton’s loan adjustment and reimbursement analysis computes an accurate adjusted APR and cure sums, if required. Additionally, we can configure the TILA Adjustment & Reimbursement Review to meet your preferred tolerances and objectives. And we will finish in your timeframe with verifiable results!

• Reimbursement Calculations can be configured by:
  • The Lump Sum/Payment Reduction Method
  • The Lump Sum Method
  • A combination of both methods depending upon account status
• Qualifying loans will be cured as of your desired cure date
• Appropriate tolerance levels for the Adjusted APR can be set at different values:
  • 0%
  • 0.125%
  • 0.25%

We will produce a confidential detailed spreadsheet of output results, including the adjusted APR and reimbursement results for each transaction, with more than enough time to implement findings.

To learn more about Carleton’s TILA Adjustment & Reimbursement Review, please contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Collaboration Seamlessly Delivers Loan Computations & Compliance Support

Jacksonville, FL. / South Bend, IN. (May 30, 2019) – Fortegra Financial Corporation (“Fortegra”), a leading international specialty insurer and subsidiary of Tiptree Inc., announces a new partnership with Carleton, Inc., the nation’s leader in financial calculation software, to provide a seamless interface for lending platforms to easily and accurately calculate loan payments with Fortegra’s credit protection product.

This new partnered solution allows Fortegra clients to accurately quote and present Fortegra’s credit protection products directly within their lending platform through CarletonCalcs® API interface. Credit Insurance calculations remain a burden for many lending platforms and this difficulty inhibits product promotion for many lenders.

With more than 150 integrated partnerships, the CarletonCalcs® API has eliminated the calculation burden that lending platforms encounter by providing a proven interface designed with easy integration as a central software feature.

“Automation has become a must-have rather than a nice-to-have requirement in our industry,” said Mike Ferris, Fortegra Senior VP, Credit Protection. “At Fortegra, we’re always looking for new solutions to meet the ever-changing needs of our clients. Thanks to our new relationship with Carleton, we’re making loan submission and accessibility much faster and more efficient, once again helping Fortegra clients ” Experience More.”

Through this integrated delivery, it will easily provide dealers and lenders with the ability to quickly calculate loan information—including interest, fees, taxes, and credit insurance rates—as well as assure that data is compliant within a dealer’s business decisions and governmental regulations. The Fortegra/Carleton partnered solution has been successfully adopted by multiple satisfied clients.

“We’re proud to partner with Fortegra to streamline the loan process for their clients and allow them to accurately compute and present their credit protection products within their client’s lending platforms,” said Matt Ruszkowski, President of Carleton. “As the credit insurance industry continues to adapt to an ever-changing technological landscape and provide automation for its customers, Fortegra is taking the important steps to remain an industry leader with their customers’ ease-of-use and satisfaction as key to that continued success.”

About Fortegra

Fortegra Financial Corporation (a Tiptree Inc. company) and its subsidiaries comprise a single-source insurance services provider that offers a range of consumer protection options including warranty solutions, credit insurance, and specialty underwriting programs. Delivering multifaceted coverage with an unmatched service experience for domestic and international partners and their customers, Fortegra solves immediate, everyday needs, empowering consumers to worry less and Experience More. For more information on Fortegra products and services, visit www.fortegra.com.

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. Based in South Bend, Indiana, in 2019 Carleton is celebrating over 50 years of leadership in this rapidly-changing regulatory industry. Carleton assures accuracy in all their calculations and disclosures to enable their partners to fulfill compliance requirements today and into the future. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

SOUTH BEND, INDIANA (March 12, 2019): Celebrating its 50^th year in the consumer lending market, Carleton continues to be the industry leader in delivering accurate and compliant calculations to the automotive industry. With software that is integrated within many of the dealer management systems, menu selling solutions, lending portals, and digital retailing platforms, Carleton’s footprint can be seen throughout the automotive retail space.  Following extensive market feedback and discussions with key partners, Carleton has released CarCalcs™, a comprehensive and integrated Sales Tax, Registration and Dealer Fee API to complement their industry-leading CarletonCalcs® solution.

CarCalcs™ was designed to be an easy and flexible integration for any platform provider in order to connect and populate dealer admin settings. The application’s ease of use allows for the seamless onboarding of a dealer and real-time access to registration and dealer fee values.  The data returned from the API is delivered in a format easily consumed by the CarletonCalcs® payment computation module for the precise calculation of retail sales or leases.

These computations provide the following:

• Sales tax rates by state, city, and county
• Sales tax basis including settings for fees and down payments
• Registration fee based on vehicle information
• Dealer fee default amounts by state, including documentation fees
• Lender and DMS default computation settings
• Ability to compute payment and deal information in a single call

The CarCalcs™ Sales Tax and Dealer Fee API integrates Automotive Titling Corporation’s (“ATC”) Title and Registration product into a comprehensive single data channel delivery service.  ATC is the original innovator and industry leader for providing automotive sales tax and registration fees covering all 50 states.

“For over two decades, ATC has processed thousands of transactions through DMVs all over the country.  This has facilitated our ability to build, catalog and uniquely authenticate the most accurate sales tax and registration fee database in the industry,” states Ken Alley, President of ATC. “Our authentication process is a full-time focus of our expert team.”

The car-buying process is shifting to a consumer-driven digital marketplace.  As a result, auto dealers and lenders now need their digital retailing platform to support lending regulations nationwide.  The combination of Carleton’s loan and lease payment calculation engine, Carleton’s compliant state-driven dealer fee database, and ATC’s sales tax and title registration data has resulted in the most comprehensive and accurate payment solution in the automotive digital retailing space.

“We saw a critical need for additional components to calculate accurate payment computations.  This was the impetus for developing CarCalcs™. Through our partnership with ATC, we have expanded our calculation offerings to include sales tax and registration fees,” stated Carleton President & COO Matt Ruszkowski. “We knew we needed a partner with the same level of expertise as our proven calculation services. Partnering with ATC was a logical decision.”

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

SOUTH BEND, INDIANA (January 31, 2019): Effective immediately, Matt Ruszkowski has been named President and Chief Operating Officer (COO) of Carleton, Inc. the industry leader in compliant consumer loan calculations and lending document generation software.

Matt will lead Carleton’s experienced executive leadership team towards continued growth and the introduction of new software and services in the lending industry.

“It was important that the next Carleton President demonstrated leadership and our core company values in how he interacts with employees, prospects, and clients.  Matt’s leadership has continually exhibited these core values and he understands the unique market value of our products and expertise in today’s financial services marketplace,” stated Pat Ruszkowski, Carleton’s CEO.

Matt received a management degree from Indiana University and has worked in the consumer lending industry for the last eighteen years. His business background includes new business development, sales, operations management as well as customer and product support.

Matt also led the company’s effort in establishing an automated operational framework which resulted in streamlined client support, enhanced sales and production management, and SOC2 audit compliance.

“Carleton has undergone continuous growth and successfully built upon its decades of experience in the lending industry with more than 150 integrated platform clients.  Matt has been a key part of our success over the last five years.  This management change will assure Carleton continues its substantial momentum and retains its position as an industry leader.  I am very excited about our future,” concluded CEO Pat Ruszkowski.

 

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software.  Based in South Bend, Indiana, Carleton possesses 50 years of leadership in the rapidly-changing regulatory industry.  Carleton guarantees accuracy in all their calculations and disclosures enabling their partners to fulfil compliance requirements today and into the future. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

SOUTH BEND, INDIANA (Jan 28, 2019): Vergent Loan Management Software, formerly eSoftware Solutions, offers a web-based loan management software solution that encompasses loan origination, loan servicing, marketing, reporting, accounting exports, along with ancillary services to enhance and streamline the lending process. In a continued effort to provide the most compliant lending solution, today, Vergent announces a partnership with Carleton, Inc. for consumer loan calculation support. Vergent has been providing financial management software since 2006. Their latest web-based lending solution interfaces with CarletonCalcs® to ensure payments and disclosures are accurate and compliant.   

According to Terry Freeze, Vergent COO, “Our company has experienced tremendous customer growth and we recognized a need to ensure our lending calculations are compliant with all federal and state regulations. Strong compliance is so important in today’s litigious lending environment which is why partnering with a very experienced company like Carleton for additional compliance support made a lot of sense.”

“Vergent recognized the importance of having compliance alignment between the contract language and their loan origination and loan servicing computations,” stated Matt Ruszkowski, President and COO of Carleton. “Our 50 years of lending calculation experience and demonstrated lender and dealer support is why Vergent partnered with Carleton.  We are excited to be part of the Vergent team as we are both committed to providing the highest quality level of service in each of our areas of expertise.”

About Vergent Loan Management Software

Vergent Loan Management Software was founded as eSoftware in 2006 by Scott Putnam (CEO) and Terry Freeze (COO) with the launch of its first product, eCash Software, a complete financial management software solution designed to meet the needs of lending institutions. A five-time Inc. 5000 Honoree, Vergent provides web-based loan management software for more than 3,000 storefront financial services organizations in North and Central America. To learn more about Vergent LMS, go to www.VergentLMS.com or contact Jennifer Tabb, VP of Lender Relations at 601-414-0076 or jtabb@vergentlms.com.

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. Based in South Bend, Indiana, Carleton possesses over 50 years of leadership in this rapidly-changing regulatory industry. Carleton guarantees accuracy in all their calculations and disclosures enabling their partners to fulfil compliance requirements today and into the future. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Perpetual Federal & State Regulatory Changes Inspire Lending Compliance Leader to Grow Its Legal Resources

 

South Bend, IN (September 11, 2018): Carleton, Inc., a leading provider of compliant loan calculation and digital document software solutions, today announced the addition of Brian Kelly to its Compliance & Research team.

With the expansion of State-driven regulatory changes, along with the uncertainty of the Bureau of Consumer Finance Compliance (BCFP) positions on a wide range of Federal rules, Carleton is bolstering its Compliance & Research Department to continue to meet and exceed partner expectations.

The comprehensive solution suite of CarletonCalcs®, CarletonDocs®, CarletonAudit®, and Carleton Access® help lenders mitigate legal and regulatory compliance risk in consumer loan calculations. These technologies include federal and state-specific loan/lease calculations, digital document generation, electronic-audit reporting, and other compliance tools to support various lending compliance mandates.

Carleton’s software solutions are differentiated in the compliance industry by its highly-regarded Compliance & Research department.

Attorney Brian Kelly has joined the Carleton team, bringing with him a diverse legal background and expertise which includes business law, regulatory & compliance review, contract review, business documentation, and other litigation disciplines.

Brian graduated from Colorado College in 2001.  He graduated thereafter from the St. Louis University School of Law in 2013.

“The opportunity to join Carleton, Inc. has been exciting and professionally satisfying because of Carleton’s unique niche in the lending industry and their positive workplace culture,” says Kelly.  “Once I came aboard, I discovered an innovative, fresh, and dynamic team that is developing next-generation software to tackle market inefficiencies and to ensure Carleton remains a leader in the financial lending sector.”

“Brian’s addition further strengthens the Carleton Compliance & Research team which already features an unsurpassed level of expertise not found within any other organization in our industry,” stated Pat Ruszkowski, President and CEO of Carleton. “The addition of Brian Kelly demonstrates Carleton’s strong commitment to provide lenders with expert solutions and support to successfully adapt to the constant changes in the compliance landscape”.

About Carleton Inc.

Carleton is the leading provider of compliant lending and leasing calculation software and dynamic document generation software serving the banking, credit union, and auto lending industry. Founded on compliance expertise at a federal and state level in 1969, the company’s client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Vancouver, BC (July 12, 2018): Three industry-leading organizations have aligned to deliver a comprehensive new automated lending solution to a non-traditional major lending market.

Ritchie Bros. Financial Services (RBFS), a subsidiary of Ritchie Bros. Auctioneers Incorporated that offers financing and leasing solutions for equipment owners and dealers in Australia, Canada, Mexico and the United States, has teamed up with Carleton, Inc. (Carleton) and SWBC to deliver an efficient manner to quote and distribute life and disability protection on loans to its customers in the United States.

SWBC is an international financial services company headquartered in San Antonio, TX, that provides a variety of financial products in all 50 states. The company’s diverse portfolio of proprietary and non-proprietary credit insurance products are offered through a broad distribution network, aligning perfectly with RBFS’ requirements. Ritchie Bros. Financial Services was already familiar with credit insurance as the company is a significant seller of the product in Canada. While auctions for heavy commercial equipment are conducted worldwide by its affiliated companies, previously RBFS had only protected Canadian loans with credit insurance.

Unlike traditional auto consumer loans, which are closed at the dealer’s location, RBFS commercial loans are closed at the auction house where the used commercial equipment is purchased.    RBFS needed an easy and streamlined process for providing a payment quoting and closing tool that supported the multitude of finance companies and the sale of credit insurance production products.   This support also required the generation of all the required credit-related documents.

SWBC turned to Carleton, an industry leader in providing internet-based loan closing technology, to deliver an integrated system that would allow buyers at Ritchie Bros. auction in the United States to uniquely obtain financing with credit insurance protection ahead of time or on-site at the auction.

Using CarletonAccess® interfaced with SWBC’s internet-based platform, RBFS account managers are now able to accurately calculate the cost of single premium credit life and credit disability insurance, generate the required credit-related documents, while also calculating accurate refunds in the event of early termination of the loans.

Pat Ruszkowski, president of Carleton, stated, “SWBC’s expertise in understanding the needs of RBFS and its auction business enabled Carleton to provide a first-class and compliant credit insurance sales system in a very short time-frame.  We leveraged SWBC’s and Carleton’s combined 80+ years of experience to develop a unique, efficient, and cost-effective loan quoting and closing solution to sell credit protection insurance for the benefit of Ritchie Bros. Auctioneers and its customers.”

This comprehensive, partnered solution allows buyers at Richie Bros. auctions in the United States to uniquely obtain financing ahead of time on-site, much like a consumer can do today when purchasing an automobile. Working together with an auction house, rather than a traditional automotive dealer, was a first for both SWBC and Carleton.

 

About SWBC

As a diversified financial services company, SWBC provides financial institutions, businesses, and individuals a wide range of insurance, mortgages, wealth management, employee benefits, and more. Headquartered in San Antonio, Texas, SWBC has partners and divisions across all 50 states and manages business around the world. No matter how wide its reach, SWBC always listens to our customers’ needs, analyzes their current situations, and recommends customized solutions. For more information about our innovative approach to personalized service, visit SWBC’s website at www.swbc.com.

About Carleton Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document delivery software. Based in South Bend, IN, Carleton has more than 40 years of leadership in the rapidly-changing regulatory industry with guaranteed accuracy in all their calculations and disclosures to fulfill compliance requirements today and in the future. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

About Ritchie Bros.

Established in 1958, Ritchie Bros. (NYSE and TSX: RBA) is a global asset management and disposition company, offering customers end-to-end solutions for buying and selling used heavy equipment, trucks and other assets. Operating in a multitude of sectors, including construction, transportation, agriculture, energy, oil and gas, mining, and forestry, the company’s selling channels include: Ritchie Bros. Auctioneers, the world’s largest industrial auctioneer offers live auction events with online bidding; IronPlanet, an online marketplace with featured weekly auctions and providing its exclusive IronClad Assurance(R) equipment condition certification; Marketplace-E, an online marketplace offering multiple price and timing options; Mascus, a leading European online equipment listing service; and Ritchie Bros. Private Treaty, offering privately negotiated sales. The company also offers sector-specific solutions including GovPlanet, TruckPlanet, Kruse Energy Auctioneers, and Cat(R) auctions, plus equipment financing and leasing through RBFS. For more information about the unprecedented choice provided by Ritchie Bros., visit RitchieBros.com.

South Bend, IN (Feb 12, 2018):   In the most recent issue of SubPrime Auto Finance News, Carleton has been recognized by the publication for its industry-leading compliant lending calculations and document generation services.

According to senior editor Nick Zulovich of SubPrime Auto Finance News, this honor list reflects “finance companies, service and technology providers and other organizations that take the most risk and still flourish in vehicle financing that’s grown to be a $1 trillion economic pillar”.

Carleton is the “only” company on the list that specializes in compliant lending computations and document generation among the 175 honorees selected.  In addition to Carleton, several large lending organizations using their solutions and more than a dozen of Carleton’s technology partners are also cited with SubPrime Auto Finance News recognition.

“We appreciate the recognition for our contributions towards making both technology partners and auto lenders successful in meeting their compliance and growth challenges”, said Carleton President Pat Ruszkowski.

Carleton has long been viewed as the industry leader in computational compliance, as well as complementary technology that helps lenders flourish and grow in a highly-regulated industry.

About Carleton Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document delivery software. Based in South Bend, IN, Carleton has more than 45 years of leadership in the rapidly-changing regulatory industry with guaranteed accuracy in all their calculations and disclosures to fulfill compliance requirements today and in the future. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

Featuring Auto Lender Enhanced Compliance Solutions

Jacksonville, FL and South Bend, IN (October 3, 2017): LAUNCHER.SOLUTIONS, a technology provider specializing in subprime automotive loan originations, announced today a strategic integration partnership with Carleton, Inc., giving auto lenders enhanced compliance solutions. The integration with Carleton and LAUNCHER.SOLUTION’s appTRAKER Loan Origination System is seamless and beneficial for lenders as it ensures compliance requirements are met.

appTRAKER Loan Origination System was designed by experts in the automotive lending industry, specifically geared towards sub/near-prime lenders. Because of stringent compliance regulations on the state and federal levels, the integration partnership with Carleton adds superior value to appTRAKER LOS. Carleton ensures all loans are compliant with Federal Truth In Lending disclosure requirements, state statutory and regulatory computational requirements, as well as the lender’s own rules and policies.

“Carleton is an expert in the compliance arena,” said Nikh Nath, President of LAUNCHER.SOLUTIONS. “They bring value to appTRAKER and give our clients added peace of mind, knowing their compliance is properly handled.” LAUNCHER.SOLUTIONS has successfully integrated Carleton for computational compliance within its loan origination system using CarletonCalcs® technology.

“With Federal and State regulatory oversight not going away, Carleton continues to enhance and provide our partners with best-in-class solutions that take the computational compliance burden off of them and their lenders,” says Matt Ruszkowski, Carleton’s Vice President of Business Development. “By integrating our CarletonCalcs® components, LAUNCHER.SOLUTIONS enables current and future clients to have federal and state-compliant calculations.”

Lenders utilizing appTRAKER LOS will automatically be operating with Carleton’s compliance software during the origination process. Using Carleton’s industry-leading loan computation calculations, appTRAKER LOS will be able to efficiently meet Federal and State-specific regulations while also reducing laborious programming changes via simplified configuration settings.

 

About LAUNCHER.SOLUTIONS

LAUNCHER.SOLUTIONS is a technology products and services company built on the foundation of care, understanding. innovation, and speed. It specializes in the subprime/nearprime automotive lending industry. Its innovative products include appTRAKER LOS, myDEALER.CARE dealer relationship management system, and myACCOUNT.CARE customer self-service and communication solution. LAUNCHER.SOLUTIONS has service offerings aimed at helping its clients with projects related to data analytics, data integration, telephony and custom web development. Learn more about LAUNCHER.SOLUTIONS at www.launcher.solutions or call at 877.5LNCHER. Follow us on LinkedIn.

 

About Carleton Inc.

Carleton is the leading provider of compliant lending and leasing calculation software and dynamic document generation software serving the banking, credit union, and auto lending industry. Founded on compliance expertise at a federal and state level in 1969, the company’s client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Industry Leader Demonstrates Commitment to Technology & Security Excellence

South Bend, IN (July 10, 2017): Carleton, Inc., a leading provider of compliant loan calculation and document generation solutions, today announced that it has successfully completed the requirements to achieve its Microsoft Silver Certification.

“The Carleton development team has been aggressively completing training/coursework to sustain a continued foundation of evolving technology on behalf of our clients,” stated Carleton, Inc. President Pat Ruszkowski.

“We recognize that continued investments in the advanced skills and tools for our technology team are critical to our success in operations and integrations – for both our strategic business partners and lenders. As we offer solutions in a secure hosted ecosystem, this important knowledge base demonstrates our commitment to supporting both current and future lending compliance solutions”.

The most recent Carleton development team’s successful coursework includes developing ASP.NET MVC Web Applications.

Microsoft Certification is cited as a best-practice standard in the financial services industry, and seen as a “proof point” when value-added integrated solutions are offered by lending technology partners. Lending organizations routinely seek technology certifications from their strategic business partners as part of their own vendor management programs.

“We’ve invested in our development resources to acquire a higher and sustainable level of competency in both the .Net and MVC skillsets,” indicated Deb Grounds, Vice President of Software Services.”Systems infrastructure and security are both extremely important competencies in the ever-changing technology world, and especially critical towards hosted solutions. Our objective is to continue to advance our certifications overall.”

Grounds indicated that Carleton will be pursuing its Microsoft Silver Certification in the Datacenter competency, with the intent to complete this additional milestone by the end of 2017.

About Carleton Inc.

Carleton is the leading provider of compliant lending and leasing calculation software and dynamic document generation software serving the banking, credit union, and auto lending industry. Founded on compliance expertise at a federal and state level in 1969, the company’s client list has grown to include most of the major lenders, credit insurance companies, and loan origination software providers in the United States. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.