ORICS offers custom programs that are built around your underwriting guidelines and designed with your consumer credit lending goals in mind. Custom programs combine the flexibility to incorporate your own underwriting standards and gain additional risk mitigation loss protection against borrower default. Loss protection is available for consumer loans and lines of credit for purposes such as home purchase, home improvement, cash-out/refinance or debt consolidation as well as other stand-alone programs. Credit indemnity insurance is also available for capital relief purposes.