Built to be examined.
Lendible operates within a comprehensive federal and state regulatory framework. Our compliance program is designed for the same standards applied to banks and licensed lenders.
Regulatory frameworks
The laws that govern us.
ECOA / Regulation B
Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
FCRA
Fair Credit Reporting Act. We only obtain credit reports with proper permissible purpose and provide adverse action notices when required.
GLBA
Gramm-Leach-Bliley Act. We safeguard nonpublic personal information through administrative, technical, and physical controls.
UDAAP
We prohibit unfair, deceptive, or abusive acts and practices in marketing, sales, and servicing.
State commercial financing disclosure
We comply with disclosure requirements in California (SB 1235), New York, Utah, Virginia, and Connecticut, including APR-equivalent disclosures.
OFAC / BSA / AML
Customer identification, sanctions screening, and suspicious activity monitoring are built into every application.
Program commitments
How we operationalize compliance.
- Independent compliance function reporting to the CEO and Board
- Chief Compliance Officer with 15+ years in regulated lending
- Annual compliance management review and risk assessment
- Ongoing employee training on fair lending, FCRA, and UDAAP
- Lender partner diligence including license verification and compliance review
- Complaint management program with regulator coordination as required
Equal opportunity
Equal opportunity lender statement.
Lendible Capital is committed to the principles of equal credit opportunity. We do not discriminate against applicants on the basis of race, color, religion, national origin, sex (including gender identity and sexual orientation), marital status, age, receipt of public assistance, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The federal agency that administers compliance with this law concerning this company is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.
File a complaint
We take every complaint seriously. Reach our compliance team directly for the fastest resolution.
compliance@lendiblecapital.comRegulators
You may also contact the CFPB at consumerfinance.gov or your state regulator. See our State Licenses page for contact information by state.