Money Broker Compliance Services

Compliance Support for Money Brokers

We work with money brokers to manage licensing, loan disclosures, AML rules, and privacy obligations. Whether you’re launching or scaling, we build programs that mitigate regulatory risks and fit the way you operate.

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Money Broker Compliance

Challenges

Compliance Is a Moving Target for Money Brokers

Compliance Is a Moving Target for Money Brokers

Money brokers have to navigate overlapping regulations that don’t always fit modern business models. Managing compliance means understanding the details and how they vary by product, state, and customer type.

Money brokers have to navigate overlapping regulations that don’t always fit modern business models. Managing compliance means understanding the details and how they vary by product, state, and customer type.

Multi-State Compliance Is Complicated

Operating across multiple states means juggling dozens of licensing rules, interest rate limits, and disclosure requirements.

Multi-State Compliance Is Complicated

Operating across multiple states means juggling dozens of licensing rules, interest rate limits, and disclosure requirements.

Multi-State Compliance Is Complicated

Operating across multiple states means juggling dozens of licensing rules, interest rate limits, and disclosure requirements.

Consumer Protection Laws Apply

If your product is consumer-facing, you may need to follow TILA, ECOA, UDAAP, and more, even if you’re not a bank.

Consumer Protection Laws Apply

If your product is consumer-facing, you may need to follow TILA, ECOA, UDAAP, and more, even if you’re not a bank.

Consumer Protection Laws Apply

If your product is consumer-facing, you may need to follow TILA, ECOA, UDAAP, and more, even if you’re not a bank.

Small Mistakes Can Lead to Big Penalties

Late filings, missing disclosures, or charging an unauthorized fee can trigger fines, license suspensions, or reputational risk.

Small Mistakes Can Lead to Big Penalties

Late filings, missing disclosures, or charging an unauthorized fee can trigger fines, license suspensions, or reputational risk.

Small Mistakes Can Lead to Big Penalties

Late filings, missing disclosures, or charging an unauthorized fee can trigger fines, license suspensions, or reputational risk.

Regulators

Regulators That Oversee Money Brokers

Money brokers work under the eye of both state and federal regulators. Depending on your business model, you may deal with more than one agency, and the rules can change quickly.

Frameworks

Frameworks That Shape Money Broker Compliance

Frameworks That Shape Money Broker Compliance

Money brokers must follow a mix of federal and state frameworks. The rules depend on the type of lending you offer and who your customers are, but some always apply, especially if you deal with consumer credit or residential mortgage.

Money brokers must follow a mix of federal and state frameworks. The rules depend on the type of lending you offer and who your customers are, but some always apply, especially if you deal with consumer credit or residential mortgage.

Lender Licensing
Compliance Program Setup
Lender Compliance Management

How We Help

Let Us Manage Compliance While You Focus on Growth

01

State Licensing and Regulatory Planning

We guide you through the licensing process and help align your structure with state requirements.

01

State Licensing and Regulatory Planning

We guide you through the licensing process and help align your structure with state requirements.

02

Compliance Program Setup

We develop tailored procedures, internal workflows, and a full compliance stack that fits your product and operations.

02

Compliance Program Setup

We develop tailored procedures, internal workflows, and a full compliance stack that fits your product and operations.

03

Ongoing Compliance Management

We handle ongoing filings, reviews, communications, and AML activity while keeping you updated and exam-ready.

03

Ongoing Compliance Management

We handle ongoing filings, reviews, communications, and AML activity while keeping you updated and exam-ready.

Why InnReg

We Know How to Support Money Brokers

Our team has worked with a variety of money broker businesses in the past decade. We bring structure, hands-on support, and cost-effective coverage where you need it most.

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.

FAQ

Money Broker Compliance FAQs

Money Broker Compliance FAQs

What federal rules apply to money brokers?

What federal rules apply to money brokers?

Do money brokers need a license in every state?

Do money brokers need a license in every state?

When is a money broker considered to be “operating” in a state?

When is a money broker considered to be “operating” in a state?

What types of fees can I charge as a broker?

What types of fees can I charge as a broker?

Do state laws apply to online loan platforms?

Do state laws apply to online loan platforms?

What are the AML obligations for a money broker?

What are the AML obligations for a money broker?

Do I need a separate license for mortgage brokering?

Do I need a separate license for mortgage brokering?

Is a money broker allowed to advertise without being licensed?

Is a money broker allowed to advertise without being licensed?

What’s the difference between a money broker and a lender?

What’s the difference between a money broker and a lender?

Are there restrictions on calling or texting leads?

Are there restrictions on calling or texting leads?

Schedule a Complimentary Consultation

Schedule a Complimentary Consultation

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By submitting this form, you consent to be added to our mailing list and to receive marketing communications from us. You can unsubscribe at any time by following the link in our emails or contacting us directly.

© 2025 InnReg LLC

305-908-1160

LinkedIn Innreg
X InnReg

9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156

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.

© 2025 InnReg LLC

305-908-1160

LinkedIn Innreg
X InnReg

9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156

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.

© 2025 InnReg LLC

305-908-1160

LinkedIn Innreg
X InnReg

9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156

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.