Fintech Toolkit · Lending Dashboard

Lending Compliance Operating System

A 13-module operator dashboard for fintech lenders. TILA / Reg Z, ECOA fair lending, MLA / SCRA, state usury, NMLS / state lending licences, model governance, adverse action, servicing, collections, default management, lending disclosures, annual review, lending committee charter. Single HTML. Runs offline. Owned forever.

"A facially-neutral credit model can produce statistically significant outcome gaps by protected class — that's a finding regardless of intent. Test for it; document the rationale; iterate."

What's inside

Lending Reg Map

TILA · ECOA · FCRA · MLA · SCRA · FDCPA · RESPA · state usury

NMLS / Licensing Tracker

State licence inventory · MCR · renewal calendar

TILA / APR Reference

Live JS · illustrative APR estimator · methodology pointers

Fair Lending Programme

Model docs · disparate-impact testing · file review

Model Governance

Inventory · validation · monitoring · override · decommission

Adverse Action Workflow

Reg B + FCRA combined · 30-day window · specific reasons

MLA / SCRA

DoD database · 36% MAPR · 6% SCRA · default-judgement

Loan Servicing

Statements · payment posting · error resolution · servicing transfer

Collections (Reg F)

Validation notice · 7-in-7 cap · time / place · third-party

Default Management

Workout inventory · disparate-impact monitoring · charge-off

Disclosure Library

Pre-app · application · adverse · agreement · servicing · state overlays

Annual Review

10-section template · year-over-year trend

Committee Charter

Members · cadence · agenda · decision authority

Built for

Heads of Compliance / lending counsel at fintech lenders
BSA Officers covering lending overlap with AML
Risk + Credit leads at consumer-lending fintechs (BNPL, personal loans, point-of-sale finance)
Servicing + collections operations leads
Independent lending-compliance consultants

Format + licence

Single HTML file. Runs offline. Editable. Print-friendly.
1 working JS calculator (illustrative APR / payment / total — production TILA disclosures must follow Reg Z Appendix J).
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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