Consumers tell us where systems are failing. The signal is in their words.

A consumer harm intelligence company, built by the people who built the federal complaint system.

For fifteen years, every bank, regulator, and researcher reading CFPB complaint data has read the metadata — the drop-down menus a consumer picks before they type. Consumers misclassify themselves, so the metadata is wrong. McCarthy Hatch reads the field everyone else skipped: the consumer's own account of what happened. It is the difference between counting complaints and understanding harm.

It reads the narrative, reconstructs the harm, and surfaces the supervisory signal.

FSAi is a purpose-built AI engine. It reads the "what happened" narrative inside a CFPB complaint and reconstructs the product, the transaction, the harm pattern, and the regulatory exposure — the fact pattern the consumer lived, not the box they checked.

Everyone has been reading the wrong field. We read the right one.

A working intelligence layer on the full public CFPB dataset.

Built and advised by the architects of consumer financial protection.

Customers don't buy data. They buy lead time.

The Terminal turns the public complaint record into early-warning intelligence — the supervisory signals that appear in consumers' words long before they appear in an enforcement order.

The signal was in the narrative the whole time.