Credit Builder Compliance Services
We Help Credit Builders With Compliance
We support fintechs and lenders offering credit-builder loans, secured cards, rent reporting tools, and other credit-building products. Whether you're launching or scaling, our team helps you manage licensing, consumer finance rules, data reporting, and day-to-day compliance.
As seen on:
As seen on:
As seen on:
Challenges
The Compliance Headaches Credit Builders Face
The Compliance Headaches Credit Builders Face
Bringing a credit-building product to market means dealing with layers of federal and state regulation, licensing hurdles, and scrutiny over how you report and market your program.
Bringing a credit-building product to market means dealing with layers of federal and state regulation, licensing hurdles, and scrutiny over how you report and market your program.
Multi-State Licensing
Each state has its own licensing rules. You may need to register in dozens of states, each with its own forms, fees, and renewal process.
Multi-State Licensing
Each state has its own licensing rules. You may need to register in dozens of states, each with its own forms, fees, and renewal process.
Multi-State Licensing
Each state has its own licensing rules. You may need to register in dozens of states, each with its own forms, fees, and renewal process.
Fee Structures Under the Microscope
Subscription fees, service charges, and optional add-ons all count. If they’re not clearly disclosed or properly calculated, they can cause regulatory issues.
Fee Structures Under the Microscope
Subscription fees, service charges, and optional add-ons all count. If they’re not clearly disclosed or properly calculated, they can cause regulatory issues.
Fee Structures Under the Microscope
Subscription fees, service charges, and optional add-ons all count. If they’re not clearly disclosed or properly calculated, they can cause regulatory issues.
Regulator Attention
The CFPB, FDIC, and state regulators have all taken action against credit builders, especially those using aggressive marketing or unclear fees.
Regulator Attention
The CFPB, FDIC, and state regulators have all taken action against credit builders, especially those using aggressive marketing or unclear fees.
Regulator Attention
The CFPB, FDIC, and state regulators have all taken action against credit builders, especially those using aggressive marketing or unclear fees.
Regulators
Who Regulates Credit Builders?
Credit builder programs often involve lending, credit reporting, marketing, and third-party partnerships, which means multiple regulators may be involved, depending on your model.
Frameworks
Key Compliance Frameworks for Credit Builders
Key Compliance Frameworks for Credit Builders
Credit builders operate at the intersection of lending, privacy, and consumer protection. These are the core frameworks regulators expect you to follow when launching or scaling your product.
Credit builders operate at the intersection of lending, privacy, and consumer protection. These are the core frameworks regulators expect you to follow when launching or scaling your product.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
Getting Licensed and Set Up
We help you register in the states where you operate and structure your product to meet licensing requirements.
01
Getting Licensed and Set Up
We help you register in the states where you operate and structure your product to meet licensing requirements.
02
Building Your Compliance Program
We help you develop a compliance framework that meets federal and state lending standards, including required policies, procedures, and workflows.
02
Building Your Compliance Program
We help you develop a compliance framework that meets federal and state lending standards, including required policies, procedures, and workflows.
03
Running Your Day-to-Day Compliance
We handle ongoing compliance operations, from managing disputes to monitoring bureau reporting accuracy and staying on top of filings.
03
Running Your Day-to-Day Compliance
We handle ongoing compliance operations, from managing disputes to monitoring bureau reporting accuracy and staying on top of filings.
04
Filling Outsourced Compliance Roles
We provide experienced specialists to serve in required roles so you can avoid the cost and risk of early hires.
04
Filling Outsourced Compliance Roles
We provide experienced specialists to serve in required roles so you can avoid the cost and risk of early hires.
Why InnReg
We Understand Complex Credit Builder Models
We work with companies building nontraditional credit products, including secured lines and automated savings loans. Our team knows how to translate these ideas into effective programs, whether you’re operating in one state or all of them.
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
Your Credit Builder Compliance Questions Answered
Your Credit Builder Compliance Questions Answered
Do I need a license to offer credit builder loans?
Do I need a license to offer credit builder loans?
Do I need to comply with the EFTA if I use auto-debit payments?
Do I need to comply with the EFTA if I use auto-debit payments?
Do I need an AML program for a credit builder product?
Do I need an AML program for a credit builder product?
Who enforces compliance for credit builder companies?
Who enforces compliance for credit builder companies?
Is a credit builder loan considered a savings product?
Is a credit builder loan considered a savings product?
Are credit builder loans subject to TILA?
Are credit builder loans subject to TILA?
What is a “true lender” issue, and does it apply to me?
What is a “true lender” issue, and does it apply to me?
What kind of disclosures do credit builders need to provide?
What kind of disclosures do credit builders need to provide?
Can credit builders partner with a bank to avoid state licensing?
Can credit builders partner with a bank to avoid state licensing?
Let's Schedule a Call
Let's Schedule a Call
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.