Commercial Lending Compliance Services
We Help Commercial Lenders Navigate Compliance
We work with commercial lenders of all sizes, from online platforms to private credit firms. Our team helps you register where needed, follow state disclosure rules, manage fair lending risks, and build compliance operations that mitigate risks.
As seen on:
As seen on:
As seen on:
Challenges
Commercial Lending Compliance is Complex
Commercial Lending Compliance is Complex
Lending to businesses doesn’t exempt you from oversight. Regulators at both the state and federal levels expect commercial lenders to follow strict compliance standards.
Lending to businesses doesn’t exempt you from oversight. Regulators at both the state and federal levels expect commercial lenders to follow strict compliance standards.
More Oversight Than You Expect
Multiple federal and state regulators have a stake in commercial lending. That means more rules, more exams, and more reporting.
More Oversight Than You Expect
Multiple federal and state regulators have a stake in commercial lending. That means more rules, more exams, and more reporting.
More Oversight Than You Expect
Multiple federal and state regulators have a stake in commercial lending. That means more rules, more exams, and more reporting.
Fair Lending Still Applies
Even though you're lending to businesses, regulators still expect you to avoid discrimination and follow ECOA and Reg B.
Fair Lending Still Applies
Even though you're lending to businesses, regulators still expect you to avoid discrimination and follow ECOA and Reg B.
Fair Lending Still Applies
Even though you're lending to businesses, regulators still expect you to avoid discrimination and follow ECOA and Reg B.
Every State Has Its Own Rules
Lending nationwide? You’ll need to navigate different licensing laws, usury limits, and commercial disclosure rules in each state
Every State Has Its Own Rules
Lending nationwide? You’ll need to navigate different licensing laws, usury limits, and commercial disclosure rules in each state
Every State Has Its Own Rules
Lending nationwide? You’ll need to navigate different licensing laws, usury limits, and commercial disclosure rules in each state
Regulators
Who Regulates Commercial Lenders?
Commercial lending is regulated on several fronts. While some agencies focus on fair lending or licensing, others oversee AML programs or investigate deceptive practices. If you're lending across states, the list of regulators only grows.
Frameworks
Key Frameworks That Apply to Commercial Lenders
Key Frameworks That Apply to Commercial Lenders
Commercial lenders often operate under both consumer-style rules and enterprise-focused laws. The frameworks below shape how you handle borrower data, make lending decisions, report suspicious activity, and manage risk.
Commercial lenders often operate under both consumer-style rules and enterprise-focused laws. The frameworks below shape how you handle borrower data, make lending decisions, report suspicious activity, and manage risk.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
Getting Licensed Where Needed
We help you assess where licensing applies based on your model, support your filings, and handle questions from state regulators.
01
Getting Licensed Where Needed
We help you assess where licensing applies based on your model, support your filings, and handle questions from state regulators.
02
Building Your Compliance Program
We help you carry out the daily activities of compliance, including staff training, vendor oversight, and AML operations, to keep your program effective and mitigate regulatory risks.
02
Building Your Compliance Program
We help you carry out the daily activities of compliance, including staff training, vendor oversight, and AML operations, to keep your program effective and mitigate regulatory risks.
03
Managing Your Compliance Operations
We build a framework that covers disclosures, fair lending rules, AML, and credit decision-making practices, all based on what regulators typically expect.
03
Managing Your Compliance Operations
We build a framework that covers disclosures, fair lending rules, AML, and credit decision-making practices, all based on what regulators typically expect.
04
Filling Key Compliance Roles for Your Business
If you need help meeting regulatory role requirements, we can act as your outsourced Chief Compliance Officer (CCO) or AML Compliance Officer (AMLCO).
04
Filling Key Compliance Roles for Your Business
If you need help meeting regulatory role requirements, we can act as your outsourced Chief Compliance Officer (CCO) or AML Compliance Officer (AMLCO).
Why InnReg
Practical Support for Complex Lending Models
We’ve worked with fintech lenders experimenting with new models, serving niche markets, and navigating fragmented licensing rules. Our team knows how to support growth without adding unnecessary complexity. We plug into your tools, adapt to your pace, and bring a full team to manage compliance cost-effectively.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Resources
Latest Content
Articles
Downloads
Apr 22, 2025
·
16 min read
Articles
Downloads
Apr 22, 2025
·
16 min read
FAQ
FAQ for Commercial Lending Compliance
FAQ for Commercial Lending Compliance
What’s the difference between consumer and commercial lending compliance?
What’s the difference between consumer and commercial lending compliance?
Do commercial loans need state licenses?
Do commercial loans need state licenses?
What disclosure laws apply to commercial loans?
What disclosure laws apply to commercial loans?
Do fair lending rules cover small business loans?
Do fair lending rules cover small business loans?
Do non-bank lenders need to comply with CFPB rules?
Do non-bank lenders need to comply with CFPB rules?
What if a commercial lender operates in multiple states?
What if a commercial lender operates in multiple states?
What credit checks are allowed under FCRA?
What credit checks are allowed under FCRA?
Do commercial lenders need an AML program?
Do commercial lenders need an AML program?
Can commercial lenders outsource compliance roles?
Can commercial lenders outsource compliance roles?
Does the flood insurance law apply to commercial loans?
Does the flood insurance law apply to commercial loans?
Contact Us Today
Contact Us Today
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.