Consumer Lending Compliance Services
Compliance Support for Consumer Lenders
We work with fintechs offering a wide range of consumer credit products: BNPL, secured loans, payday alternatives, and more. Our team helps with licensing, compliance program setup, and day-to-day execution across state and federal requirements.
As seen on:
As seen on:
As seen on:
Challenges
Consumer Lending Comes With Tight Regulatory Oversight
Consumer Lending Comes With Tight Regulatory Oversight
Compared to commercial credit, consumer lending is subject to tighter scrutiny, broader disclosures, and more aggressive enforcement. Fintech lenders need to be ready for deeper regulatory attention at every stage of the loan lifecycle.
Compared to commercial credit, consumer lending is subject to tighter scrutiny, broader disclosures, and more aggressive enforcement. Fintech lenders need to be ready for deeper regulatory attention at every stage of the loan lifecycle.
Enforcement Is Common
The CFPB and state AGs routinely investigate consumer lenders for UDAAP violations, marketing practices, and improper servicing.
Enforcement Is Common
The CFPB and state AGs routinely investigate consumer lenders for UDAAP violations, marketing practices, and improper servicing.
Enforcement Is Common
The CFPB and state AGs routinely investigate consumer lenders for UDAAP violations, marketing practices, and improper servicing.
Disclosures Must Be Precise
From APR to payment schedules, all consumer loan terms must be presented clearly, in compliance with TILA and EFTA rules.
Disclosures Must Be Precise
From APR to payment schedules, all consumer loan terms must be presented clearly, in compliance with TILA and EFTA rules.
Disclosures Must Be Precise
From APR to payment schedules, all consumer loan terms must be presented clearly, in compliance with TILA and EFTA rules.
Alternative Credit Models Get Extra Attention
If you’re using cash flow data or behavioral scoring, be ready to show how your model avoids discriminatory outcomes under ECOA.
Alternative Credit Models Get Extra Attention
If you’re using cash flow data or behavioral scoring, be ready to show how your model avoids discriminatory outcomes under ECOA.
Alternative Credit Models Get Extra Attention
If you’re using cash flow data or behavioral scoring, be ready to show how your model avoids discriminatory outcomes under ECOA.
Regulators
Who Oversees Consumer Lending Compliance?
Multiple agencies often regulate consumer lenders simultaneously. Federal authorities focus on fair lending, disclosures, and privacy. States add licensing and rate restrictions, making the landscape even more complex.
Frameworks
The Regulatory Backbone of Consumer Lending
The Regulatory Backbone of Consumer Lending
These are the key federal laws that apply to most consumer lenders. They cover disclosures, privacy, anti-discrimination, and unfair lending practices, and are the focus of most enforcement actions in this space.
These are the key federal laws that apply to most consumer lenders. They cover disclosures, privacy, anti-discrimination, and unfair lending practices, and are the focus of most enforcement actions in this space.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
Supporting Your Licensing Strategy
We help you figure out which licenses you need, prepare your filings, and communicate with regulators. Whether you're launching in one state or planning for national expansion, we guide the process.
01
Supporting Your Licensing Strategy
We help you figure out which licenses you need, prepare your filings, and communicate with regulators. Whether you're launching in one state or planning for national expansion, we guide the process.
02
Building an Effective Compliance Program
We create policies and procedures tailored to your lending model. That includes disclosures, underwriting workflows, marketing review, vendor due diligence, and staff training.
02
Building an Effective Compliance Program
We create policies and procedures tailored to your lending model. That includes disclosures, underwriting workflows, marketing review, vendor due diligence, and staff training.
03
Managing Daily Compliance Work
We handle the operational side of compliance, managing recurring tasks and monitoring compliance risks to support your team with real-time execution.
03
Managing Daily Compliance Work
We handle the operational side of compliance, managing recurring tasks and monitoring compliance risks to support your team with real-time execution.
Why InnReg
Why Fintech Consumer Lenders Choose InnReg
Consumer lending is highly regulated and moves fast. So do we. We plug into your systems, adapt to your workflows, and bring experienced compliance specialists who know how to work with lending products that don’t fit traditional models.
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
Frequently Asked Questions
Frequently Asked Questions
What licenses do I need to start lending?
What licenses do I need to start lending?
Can I avoid state lender licensing by partnering with a bank?
Can I avoid state lender licensing by partnering with a bank?
Do I need to comply with fair lending laws if I don’t use credit scores?
Do I need to comply with fair lending laws if I don’t use credit scores?
What’s the difference between consumer and commercial lending compliance?
What’s the difference between consumer and commercial lending compliance?
How long does lender licensing usually take?
How long does lender licensing usually take?
What goes into a lender compliance program?
What goes into a lender compliance program?
Can a lender outsource their Chief Compliance Officer?
Can a lender outsource their Chief Compliance Officer?
Schedule a Free Consultation
Schedule a Free Consultation
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.