Fintech Toolkit · BNPL Compliance Dashboard

Buy Now Pay Later (BNPL) Compliance Toolkit

A 13-module operator dashboard for BNPL providers. Programme framework, CFPB BNPL Interpretive Rule, Reg Z applicability, dispute rights, credit-reporting, fee compliance, returns / refunds workflow, late-fee discipline, partner-merchant DD, marketing-claim governance, examination readiness. Single HTML. Runs offline. Owned forever.

"BNPL spent its first decade in a regulatory grey zone. The 2024 CFPB Interpretive Rule on BNPL ended that. Operators now have to run BNPL like a credit-card programme — with the operational rigour to match."

What's inside

Programme Framework

CFPB rule · Reg Z applicability · 3 lines

Reg Z Compliance

Pay-in-4 vs longer · disclosures · APR if applicable

CFPB Interpretive Rule

Reg Z applicable to BNPL Pay-in-4 (post-May 2024)

Dispute Rights

Right to dispute · merchant return overlay · investigation

Credit Reporting

CRA reporting · FCRA · Metro 2 · positive vs delinquency

Fee & APR Discipline

Late fee · interest · disclosure · UDAAP test

Returns / Refunds

Merchant integration · refund workflow · timing

Partner-Merchant DD

Tiering · onboarding · ongoing oversight · termination

Marketing Claims

"No interest" framing · UDAAP risk · disclosure prominence

Hardship / Default

Workout · charge-off · servicing transfer · CFPB expectations

State Lending Overlay

State usury · licensure · APR cap exposure

Examination Readiness

CFPB exam pack · sponsor-bank exam · state exam

Committee Charter

CCO chair · counsel · CRO · cadence · authority

Built for

CCOs / Heads of Compliance at BNPL providers
BNPL product teams launching new tier (Pay-in-4, instalment, longer-term financing)
Sponsor-bank programme managers running BNPL partners
External counsel and consumer-lending consultants serving BNPL clients
Internal audit teams scoping BNPL compliance reviews

Format + licence

Single HTML file. Runs offline. Editable. Print-friendly.
1 working JS calculator (BNPL Reg Z applicability + APR illustrative).
Single-organisation licence. Methodology output yours to keep.
14-day satisfaction guarantee.

Owned forever · paid once

$497 USD

Buy now · $497

Stripe checkout. Single HTML file emailed within 1 business hour.

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