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Lending Compliance Kit

For lenders and lending platforms that need the credit side of the program without buying the full library. Covers origination through servicing and collections, with the notices and timing rules examiners test first.

$995

Per institution. Fintech or Bank edition. Includes 12 months of updates.

Buy Lending Kit
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What’s in the Lending Compliance Kit

  • Reg Z open-end and closed-end credit policies
  • Fair lending, ECOA, and Reg B policy with a monitoring plan
  • Adverse action procedure with adverse action, incomplete application, and counteroffer notices
  • Fair Credit Reporting Act, servicing and collections, and hardship and charge-off documents
  • Credit underwriting model and AI governance, and lending authority, licensing, and rate policies
  • Servicemembers (SCRA and MLA) policy
  • Bank edition adds Reg O insider lending and Community Reinvestment Act policies

Every file, by edition

Where a bank and a fintech run a program differently, each edition has its own version of the document. Where the rule works the same way for both, one document covers both editions.

Fintech edition: 13 files

Lending (12)

  • Adverse Action Notice
  • Notice of Incomplete Application
  • Counteroffer Notice
  • Reg Z Open-End Credit Policy
  • Reg Z Closed-End Credit Policy
  • Fair Lending, ECOA, and Reg B Policy
  • Fair Credit Reporting Act Policy
  • Servicing and Collections Policy
  • Credit Underwriting Model and AI Governance Policy
  • Lending Authority, Licensing, and Rate Policy
  • Adverse Action Procedure
  • Hardship, Loss Mitigation, and Charge-Off Procedure

Consumer protection (1)

  • Servicemembers (SCRA and MLA) Policy
Bank edition: 15 files

Lending (14)

  • Adverse Action Notice
  • Notice of Incomplete Application
  • Counteroffer Notice
  • Reg Z Open-End Credit Policy
  • Reg Z Closed-End Credit Policy
  • Fair Lending, ECOA, and Reg B Policy
  • Fair Credit Reporting Act Policy
  • Servicing and Collections Policy
  • Credit Underwriting Model and AI Governance Policy
  • Lending Authority, Licensing, and Rate Policy
  • Insider Lending (Reg O) Policy
  • Community Reinvestment Act Policy
  • Adverse Action Procedure
  • Hardship, Loss Mitigation, and Charge-Off Procedure

Consumer protection (1)

  • Servicemembers (SCRA and MLA) Policy

Kit facts

Lending Compliance Kit: editions, files, formats, version, updates, license, and delivery
EditionsFintech and Bank editions. Choose the Fintech edition if a sponsor bank holds your accounts, cards, or loans; choose the Bank edition if your institution holds the charter, including banks that sponsor fintech programs. Credit unions use the Bank edition.
FilesFintech edition: 13 · Bank edition: 15
FormatsEditable Word files, with PDF reference copies. No macros, scripts, or links to outside data sources.
VersionVersion 1.0, regulatory content current as of October 2026.
Updates12 months of updates included. Each file shows the date its regulatory content is current through.
After the first yearUpdates continue at $149 a year (15% of the kit price). Automatic renewal is optional, chosen at checkout, and can be cancelled anytime. You keep the files either way.
LicenseOne institution, internal use. Edit the files, remove our branding, and share your adopted versions with your sponsor bank, examiners, and auditors. Read the Terms of Use and license.
DeliveryDownload right after checkout; the link is also sent by email. Card or invoice; see vendor information for procurement teams.
  • Secure checkout Payment is entered on Stripe’s encrypted checkout. Card and bank details never reach our servers.Powered by Stripe (opens in a new tab)
  • Immediate delivery Your download link appears right after checkout and is also sent by email.
  • Receipt and invoice Stripe emails a receipt and an invoice in your institution’s name for accounts payable.
  • Safe, standard files Word and Excel files with PDF copies. No macros, scripts, or links to outside data sources.
  • Edition replacement If you receive the wrong edition, email us within 30 days and we will send the correct one.

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