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ComplyTexas is specifically centered around regulatory compliance connected directly to your business's operating license and consumer-facing requirements.

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Score: 42 • Level: Elevated
ELEVATED

ComplyTexas Riskometer™

The ComplyTexas Riskometer™ turns public records into a single consumer‑risk indicator (0–100). It estimates the likelihood that a Texas consumer will encounter problems—like delays, under‑payments, unsafe practices, privacy lapses, or unlawful fees—based on how a business has performed against rules that protect the public.

How it works See Compliance Verification Reports

Riskometer Model (#riskometer)

The Riskometer converts public signals into a 0–100 score and a Level so readers can understand current regulatory risk indicators.

  1. We score consumer risk, not “reputation” and not future promises.
  2. We use only official, verifiable sources (orders, bulletins, court opinions, licenses, dockets).
  3. We do not use company marketing, self‑ratings, or paid submissions.
  4. We don’t mediate disputes. If a card is flagged, we submit inquiries to the relevant regulator; only the regulator’s public actions (or a court) change the status.

Public Signals Only

We read official, verifiable public records: regulator orders and bulletins, court opinions, licenses, and dockets.

Evidence Bands

Signals are grouped so readers can see what we read and why it matters:

  • Licensing & Authorization
  • Regulatory
  • Judicial
  • Market Conduct
  • Data Protection
  • Procedural/Venue
  • Governance/Controls

Scoring & Level

Signals are normalized into a single 0–100 indicator and a Level (Low, Guarded, Elevated, High, Severe).

Trust & Limits

We do not accept marketing, self‑ratings, or paid submissions. We don’t mediate disputes; regulators and courts change status.

Court‑signal example

The Texas Supreme Court has held that paying an appraisal award does not automatically erase prompt‑payment exposure—one of many judicial signals the Riskometer tracks for timing‑of‑payment risk.

Evidence Bands (what we read)

Licensing & Authorization — current/expired/limited scope; history of lapses.

Regulatory — Official agency actions (e.g., Texas Department of Insurance bulletins, licensing suspensions), sanctions, active investigations, open dockets/inquiries, consent orders.

Judicial — Trial/appellate/supreme court rulings, federal orders in the state.

Market Conduct — Regulatory orders mandating restitution, refunds, or consumer relief (e.g., TDI consent orders).

Data Protection — Publicly posted breach notices or privacy enforcement.

Procedural/Venue Behavior — Litigation or procedural tactics causing undue consumer expense or delays (e.g., excessive filings or venue transfers).

Governance/Controls — Documented internal control failures noted by regulators, regulatory citations of inadequate compliance procedures, open regulator inquiries or public complaint activity with documented issues.

What the Riskometer is

The Riskometer converts official, verifiable public records into a single, time‑sensitive 0–100 indicator and Level (Baseline, Elevated, High Advisory, Critical). It doesn’t predict outcomes or replace advice; it summarizes what public records currently signal about consumer‑facing risk.

Who it helps & how

Consumers

See when current public signals suggest closer attention before committing time or money.

Regulators

Get a consistent, source‑linked view that surfaces patterns across dockets and orders.

Businesses

Track a transparent aggregation of public signals to prioritize fixes and show progress.

Why it matters

Public records live across multiple regulators and courts. The Riskometer consolidates those verifiable actions and applies weights for likely consumer impact, producing a comparable signal across sectors and time.

How businesses are selected

  • By request — consumer, regulator, or business asks for an evaluation; or
  • By objective triggers — license lapses, enforcement orders, restitution mandates in public records.

Every card lists its sources so readers can verify and interpret in context.

Process at a glance

  1. Request or trigger

    Open and read official public sources when a request arrives or a public trigger occurs.

  2. Map to Risk Axes

    Each record maps to one or more axes that reflect types of consumer‑facing risk.

  3. Score 0–5 by severity/recency

    Points reflect document severity and how recent the signal is.

  4. Apply weights & blend

    Axes are weighted for likely consumer impact; the capped blend becomes the 0–100.

  5. Publish with sources

    Card shows the score, Level, and a traceable Sources list; updates follow public records.

Risk Axes (evidence bands)

We list them once and illustrate weights visually. Points (0–5) × weight → weighted contribution.

Risk Levels (what the number means)

Level 1 — Baseline

0–59

Routine risk; no current signals that materially raise concern.

Level 2 — Elevated

60–79

Watchlist; recent signals warrant attention and follow‑up.

Level 3 — High Advisory

80–94

Strong caution; multiple or high‑severity signals affecting consumers.

Level 4 — Critical

95–100

Acute risk signal; sustained or severe findings that are public‑record verified.

Not legal advice. The Riskometer summarizes public records to help interpret consumer risk.

Source Discipline

  • Only official public sources: regulator websites, published court decisions, and agency dockets.
  • Every axis score is cite‑backed: each point traces to a specific public document listed under Sources.
  • No marketing or paid submissions: we exclude self‑ratings, endorsements, and unverified tips.
  • Scope of inputs: the model relies exclusively on those official materials to preserve integrity and traceability.

From scoring to real outputs

What the Riskometer produces

Each 0–100 rating rolls into a public, source‑linked output: a Compliance Verification Report or Regulatory Advisory. Below is a live example of a flagged advisory generated from a current rating.

See Reports & Advisories Review the process
ComplyTexas Regulatory Advisory
Flagged (Advisory)
Example Co. — Austin, TX
Effective: 2025-01-01 · Expires: 2025-12-31
Serial: CTRA-2510-00000-0 ❌
Citation‑based advisory for public transparency. Not legal advice; not a regulator decision.
Reason (EVID-AGENCY): Advisory based on regulator-filed materials.
Level 3 — High Advisory (82/100)
Facts & Sources

ComplyTexas · Risk & CVR Triggers

ComplyTexas Riskometer™: Clearly Communicating Risk

The Riskometer converts detailed compliance evidence into a simple 0–100 score so anyone can understand the level of verified license‑linked and consumer‑protection risk at a glance.

Riskometer ranges

The score is grouped into four clear bands, each tied to what has been independently verified:

  • 0–59 Lower Risk. Routine compliance with no significant verified concerns.
  • 60–79 Elevated Risk. Verified concerns are present; heightened vigilance is recommended.
  • 80–94 High Advisory. Significant compliance issues have been verified; caution is advised.
  • 95–100 Critical Advisory. Severe and widespread verified issues; immediate attention is required.

When is a CVR created?

Compliance Verification Reports (CVRs) are never generated at random. Each one begins from a clear, documented trigger:

CVR triggers

  • Consumer requests: credible concerns submitted by consumers or clients.
  • Regulatory interest: requests or referrals from regulatory bodies.
  • Public interest: documented public concern or credible reports of potential harm.
  • Voluntary verification: businesses that proactively seek independent verification.

CVRs never rely on

  • Unverified allegations or anonymous rumors.
  • Paid or promotional content.
  • Company statements alone, without evidence.
  • Third‑party commentary that lacks verifiable documentation.

To keep the process impartial, ComplyTexas does not solicit statements from the business being assessed. Findings are drawn from documented regulatory orders, agency bulletins, court decisions, official investigations, and other verifiable records.