Lending
compliance for The full lending lifecycle
Winnow compliance guidance covers a broad range of lending products covering the full lifecycle of mortgages, auto financing, credit cards, and more!
Compliance Made Easy
Winnow saves you time managing and keeping up with regulatory changes by delivering accurate results tailored to your business so you can lend and service easily.
What Does Winnow Cover?
Mortgage
Coverage from origination through servicing, and beyond. Apply mortgage-specific criteria like property type, occupancy status, and more.
Auto Financing
Build surveys focused around sub-products like Direct (Loans), RISC, and Leases.
Credit Cards
Covers origination, servicing, license acquisition and maintenance, marketing and advertising, and more.
Consumer Financing
Build surveys focused around sub-products like Secured or Unsecured Loans, RISC, and Leases.
Commercial Lending
Guidance around origination, servicing, unique to default / loss mitigation, and more.
Money Transmitter
Coverage includes the acquisition and maintenance of state-specific licenses.
What Criteria Are Available?
Winnow provides several criteria to achieve highly customized results.
Loan Phase / Subject Matter
Define the general scope of your survey by choosing from a relevant Loan Phase like Origination, Servicing, or Marketing / Advertising. You also have the option to build by Subject Matter like Privacy & Cybersecurity, Military Servicemember, or Debt Collection.
Topic / Category Applicability
Each requirement is tagged with the specific subject matter of the requirement, such as usury, credit report appraisal, or account statements. Each one of these over 300 Topics is organized into general categories applicable to the topic, like Disclosures, Fees, Record Retention, and more.
Jurisdiction
Build surveys that encompass all 50 U.S. states, and the District of Columbia, or target just the few that you operate in. Federal coverage is also available.
Entity Type & Licenses
Target your results based on institution types, like National Bank, State Bank, Credit Union, or Non-Bank / Non-Entity. Add the specific state licenses you hold to return requirements that expressly apply to your business.
Product-Specific Criteria
Choose from criteria that apply to the product type you’ve chosen. For example, if you’re building a Mortgage survey, you’ll see options to narrow by Property Type, Occupancy Status, Loan Purpose, and other options.
And More…
There are plenty of non-product-specific criteria that can be applied to your surveys. Add values like Open / Closed End, Fixed / Adjustable Rate, define ranges for Loan Amount and Loan To Value, or Alternative / Specialty Products.
See What People Are Saying
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"Winnow can help your team better manage compliance risks and increase efficiency."
Pete Mills
Senior Vice President of Residential Policy and Strategic Industry Engagement, MBA -
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"The platform is intuitive, and the onboarding process was incredibly simple.
Justin Wiseman
Associate Vice President & Managing Regulatory Counsel, MBA
Innovative Companies Use Winnow
FAQs
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Winnow ® is a database-driven, RegTech platform that provides subscribers with accurate topic-driven surveys and automated compliance change management.
Winnow catalogs ~ 60,000 individual state and federal law requirements maintained by an experienced team of specialized attorneys and professionals. Winnow subscribers build highly tailored compliance surveys unique to their business type, licensing, financial products, and jurisdictions.
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The short answer is, yes. In fact, it’s the best way to get the most value out of Winnow. For customers who don’t need every lending product Winnow offers, don’t worry. You can create your own a-la-carte Winnow subscription that applies to your unique business needs. Reach out to our friendly sales team for more information.
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Winnow offers several stand-alone product subscriptions in addition to lending products. These include Bank Deposits and Privacy & Cybersecurity.