Licensing

License Application and Strategy

Licensing is complex and time-consuming. Requirements vary widely across jurisdictions, and submissions often necessitate the collection and handling of sensitive information about the business and company officers, directors, and owners. FS Vector is the trusted partner that companies of all sizes and stages rely on to prepare and submit state license applications with confidence. We support all company types and any industry regulated at the state level, including money transmission, lending (consumer and commercial finance), debt collection, servicing, auto finance, mortgage, sales finance, digital assets (crypto, stablecoins, and infrastructure), title companies, debt collection, servicing, escrow, and more.

FS Vector’s team of licensing experts and licensing technology platform, Approved, streamlines the application process, helping companies navigate state requirements and secure licenses more efficiently. Our process is informed by decades of regulatory expertise and trusted by fintechs, start-ups, and established financial institutions.

Phase 1: Preparation

We help you get application-ready by developing core materials (business plan, compliance program, financials) as well as coordinating all required items, such as state registrations, surety bonds, fingerprints, background checks, and more.

Phase 2: Submission

We compile and finalize your application, then support submission through NMLS, state portals, or direct physical filings as required.

Phase 3: Follow-up

We help manage regulator requests after submission, gathering additional materials, refining business plans or compliance documentation, and delivering tailored responses that align with state expectations.

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