Lender Compliance Services
Expert Lender Compliance Support for Fintechs
From mortgage lenders to credit builders and commercial finance platforms, we help lending businesses launch, grow, and manage compliance requirements. Our team works as your compliance department or extends your existing team with fintech-specific experience.
As seen on:
As seen on:
As seen on:
Challenges
What Makes Lender Compliance So Challenging
What Makes Lender Compliance So Challenging
Fintech lenders often move faster than the laws that regulate them. But when those rules catch up, they’re complex, fragmented, and unforgiving, especially for non-bank lenders operating across multiple states.
Fintech lenders often move faster than the laws that regulate them. But when those rules catch up, they’re complex, fragmented, and unforgiving, especially for non-bank lenders operating across multiple states.
Bank Partnerships Are Under Scrutiny
Using a bank partner to offer loans isn’t a shield. States are challenging “rent-a-bank” models and looking closely at who the true lender is.
Bank Partnerships Are Under Scrutiny
Using a bank partner to offer loans isn’t a shield. States are challenging “rent-a-bank” models and looking closely at who the true lender is.
Bank Partnerships Are Under Scrutiny
Using a bank partner to offer loans isn’t a shield. States are challenging “rent-a-bank” models and looking closely at who the true lender is.
Small Business Lending Rules Keep Expanding
Commercial lenders now face disclosure laws in states like California and New York, and new federal data collection rules under Dodd-Frank 1071.
Small Business Lending Rules Keep Expanding
Commercial lenders now face disclosure laws in states like California and New York, and new federal data collection rules under Dodd-Frank 1071.
Small Business Lending Rules Keep Expanding
Commercial lenders now face disclosure laws in states like California and New York, and new federal data collection rules under Dodd-Frank 1071.
Compliance Shouldn’t Slow You Down
From license applications to policy updates, mitigating risks takes time, especially without a team that knows lending compliance inside out.
Compliance Shouldn’t Slow You Down
From license applications to policy updates, mitigating risks takes time, especially without a team that knows lending compliance inside out.
Compliance Shouldn’t Slow You Down
From license applications to policy updates, mitigating risks takes time, especially without a team that knows lending compliance inside out.
Regulators
Who Regulates Lenders?
Lender compliance doesn’t fall under just one agency. Depending on your business model, you may be subject to multiple regulators—federal, state, or both. Knowing who has oversight is the first step to mitigating regulatory risks.
Frameworks
Key Compliance Frameworks for Lending Businesses
Key Compliance Frameworks for Lending Businesses
Lenders must follow a mix of federal laws that govern how credit is offered, priced, disclosed, and collected. These rules apply to everything from personal loans to BNPL and commercial financing, and they evolve as regulators update their guidance.
Lenders must follow a mix of federal laws that govern how credit is offered, priced, disclosed, and collected. These rules apply to everything from personal loans to BNPL and commercial financing, and they evolve as regulators update their guidance.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
Helping You Get Licensed
We guide you through state and federal licensing, whether you’re applying as a lender, broker, or credit access business. That includes filings, disclosures, business models, and communications with regulators.
01
Helping You Get Licensed
We guide you through state and federal licensing, whether you’re applying as a lender, broker, or credit access business. That includes filings, disclosures, business models, and communications with regulators.
02
Building Your Compliance Program
We help design your compliance policies and procedures from the ground up. That includes lending disclosures, risk controls, fair lending practices, and more, aligned with the way your business operates.
02
Building Your Compliance Program
We help design your compliance policies and procedures from the ground up. That includes lending disclosures, risk controls, fair lending practices, and more, aligned with the way your business operates.
03
Running Your Compliance Day to Day
We handle recurring compliance work: monitoring activity, managing regulatory filings, responding to consumer issues, and supporting your operations as you grow.
03
Running Your Compliance Day to Day
We handle recurring compliance work: monitoring activity, managing regulatory filings, responding to consumer issues, and supporting your operations as you grow.
04
Providing Key Compliance Roles
If needed, we can serve as your outsourced compliance leadership team, handling duties that require qualified professionals, so you don’t have to hire full-time staff right away.
04
Providing Key Compliance Roles
If needed, we can serve as your outsourced compliance leadership team, handling duties that require qualified professionals, so you don’t have to hire full-time staff right away.
Why InnReg
Why Fintech Lenders Work With InnReg
We’ve worked with over 100 fintechs, including lenders pushing the boundaries of traditional models such as BNPL, credit builders, and everything in between. Our team brings experience with what regulators tend to expect and how to structure compliance programs that fit fast-moving businesses. We can operate as your compliance department or work alongside your team with practical, hands-on support.
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.
Case Studies
Real-World Compliance Support for Lenders
Resources
Latest Content
Articles
Downloads
Apr 22, 2025
·
16 min read
Articles
Downloads
Apr 22, 2025
·
16 min read
FAQ
Your Lender Compliance Questions Answered
Your Lender Compliance Questions Answered
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?
What licenses do I need to operate as a mortgage lender?
What licenses do I need to operate as a mortgage lender?
How Can We Help?
How Can We Help?
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.