All Blogs

February 25, 2026

March 5, 2026

Senator Reed's Predatory Lending Elimination Act: What Alternative Lenders Need to Know About the Proposed 36% APR Cap

Senator Jack Reed introduced S. 3793, the Predatory Lending Elimination Act, proposing a nationwide 36% APR cap on consumer loans. Here is what alternative lenders need to know.

Business Verification

Shela Heramis

March 7, 2026

14 Minutes Read

Why Are Construction Lenders Still Funding Unlicensed Contractors in 2026?

Manual contractor license verification across state portals is slow, inconsistent, and easy to skip. Here is what the enforcement data shows and how to automate it.

News

Shela Heramis

March 8, 2026

Mach 6, 2026

6 Minutes Read

Fora hits $5B, Now Building Dedicated ISO Platform

225% ISO channel growth signals a distribution shift

Business Verification

Shela Heramis

January 27, 2026

March 6 2026

15 Minutes Read

Massachusetts Business Entity Verification: What Alternative Lenders Need to Know

Guide to Massachusetts entity verification for alternative lenders. Covers the four primary statuses from the Secretary of the Commonwealth, unique terminology, and multi-state verification approach.

Business Verification

Shela Heramis

January 27, 2026

Mach 5, 2026

15 Minutes Read

Michigan Business Entity Verification: What Alternative Lenders Need to Know

Guide to Michigan entity verification for alternative lenders. Covers the nine LARA statuses including multiple dissolution types, and provides risk-tier mapping for automated underwriting.

News

Shela Heramis

March 6, 2026

March 4, 2026

6 Minutes Read

OppFi Defeats DFPI in California True Lender Ruling

Five factors courts now use to validate your structure

Alternative Financing

Shela Heramis

February 25, 2026

March 4, 2026

4 Minutes Read

New Jersey's Big Bet on Disparate Impact: What the AG's New Rules Mean for Lenders and AI

New Jersey adopted the most comprehensive state-level disparate impact regulations, with explicit AI provisions. Lenders using automated decisioning must comply now.

Alternative Financing

Shela Heramis

February 12, 2026

March 4, 2026

8 Minutes Read

Colony Ridge Pays $68M: The DOJ Enforcement Path Most Lenders Aren't Watching

DOJ Civil Rights Division secured $68M from Colony Ridge for predatory lending. ECOA enforcement applies to any credit extender, including non-bank lenders and MCA funders.

Business Verification

Shela Heramis

January 27, 2026

March 4, 2026

15 Minutes Read

New Jersey Business Entity Verification: What Alternative Lenders Need to Know

Guide to New Jersey entity verification for alternative lenders. Covers the eight Division of Revenue statuses including Forfeited, the two-year filing rule, and risk-tier mapping for automated underwriting.

Alternative Financing

Shela Heramis

February 25, 2026

March 3, 2026

4 Minutes Read

Pension Funds Are Pouring Into Private Credit: What Minnesota's $96 Billion Bet Means for Alternative Lenders

Minnesota's $96 billion pension system is aggressively moving into private credit. Here is what that shift means for alternative lenders seeking institutional capital.