Lending and Credit
Access to credit across diverse products and channels is essential to facilitate financial inclusion and economic growth for consumers and businesses. FS Vector helps innovative companies launch faster, navigate complex regulatory requirements, and scale their operations.
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Navigating Regulatory Uncertainty for Earned Wage Access Providers
We support firms in the lending and credit space across a range of areas critical to their business:
- Product design and development. We support the design and launch of lending products, including consumer installment loans, credit cards, point-of-sale financing, buy-now-pay-later (BNPL), earned wage access, small business lending, and marketplace lending platforms, among others.
- Market entry and expansion. Lenders engage us to develop strategic roadmaps for geographic expansion, new product launches, and entry into adjacent markets.
- Bank partnership programs. We assist lenders in establishing, maturing and managing bank and credit facility partnership structures, including ongoing compliance and operational requirements of the program.
- Regulatory advisory. We provide hands-on operational support and ongoing guidance on federal and state lending laws, including Regulation Z and TILA, Regulation B and ECOA, FCRA, FDCPA, MLA, SCRA, and state-specific lending regulations to ensure that client programs meet both regulatory and bank standards.
- Licensing and state compliance. Clients work with our licensing specialists to acquire and maintain lending, brokering, and collections licenses and other state registrations required for their products and distribution channels.
- Examinations support. We support clients’ state, federal, and investor examinations, including preparation, response coordination, and remediation planning and execution.
- CFES membership. Lenders join the coalition to help shape industry standards and approaches alongside other financial services innovators.
- Government relations and advocacy. We represent lenders before federal and state policymakers on issues affecting lending regulation, interest rate caps, and fintech-bank partnerships.