For nonbank lenders, BNPL and earned-wage-access providers
Every report derived once. Every figure defended when asked.
Ten, thirty or fifty state licences each ask for a report. An examiner, an attorney general or an auditor then asks where a number came from. We keep the answer with the figure.
- Quarterly
- NMLS Mortgage Call Report, within 45 days of quarter end (FV7 from Q1 2026)
- NMLS — NMLS Mortgage Call Report Form Version 7 User Guide (US)
- 1 March
- HMDA annual filing window closes
- FFIEC / CFPB — FFIEC HMDA Platform — data collection timelines (US)
- 1 Jan 2028
- Section 1071 compliance date for covered small-business lenders; first submission 1 June 2029
- CFPB — Small Business Lending Under the Equal Credit Opportunity Act (Regulation B), final rule, 91 FR 23530 (May 1, 2026), FR Doc. 2026-08494 (US)
What we heard
Two jobs, one deadline
The reporting calendar
One licence, one report, every quarter
The exam, the AG, the auditor
Where did this number come from?
The gap
A servicing-system conversion that mis-maps transaction codes to the GL is a material weakness, and a reporting problem, at once.
The reports still go out. What is missing is the derivation: which rows, which transformation, which rule, who signed the interpretation — so the next question can be answered from the pack.
Our core principle
Your data never leaves your warehouse. We bring the logic to it.
Read-only, always
Your rows never leave
No model computes a number
What we will not do. File on your behalf, decide whether a product is covered by a rule, or give legal advice. Whether a loan is a covered credit transaction, and whether you or a partner bank is the covered institution, are questions for counsel. We show what the data says and which line it maps to; we do not say you are compliant.
Step 1 · map once
We map your warehouse to a compliance model
| Your tables (examples) | Mapped to | Used for |
|---|---|---|
| applications, decisions | Applications by outcome and geography | HMDA LAR, MCR application data |
| loans, servicing_events | Originations, balances, delinquency | MCR financial and servicing sections, state annual reports |
| borrowers, properties | Demographic and property fields | HMDA data points |
| licenses, states | Licence footprint | which report, which state, which deadline |
| advances, repayments (EWA) | Advance volumes and fees | state EWA reports |
Mappings are reviewable definitions a named person confirms. When the LOS or the servicing system changes, we update the map, not the report.
Step 2 · the flow
From your tables to the figure, every step on the record
Step 01
Connect
Step 02
Confirm
Step 03
Compute
Step 04
Pack
Step 05
Answer
Rulebooks and elections
Each figure is judged by the rule that asks for it
The federal calendar is read and recorded. State-specific report content for lending regimes is not yet modelled; each state's own text is confirmed before a figure is built on it.
NMLS Mortgage Call Report
Quarterly, within 45 days of the end of the calendar quarter; Form Version 7 from the first quarter of 2026.
NMLS — NMLS Mortgage Call Report Form Version 7 User Guide (US)
HMDA LAR
Annual filing from 1 January to 1 March; quarterly for institutions with 60,000 or more applications and covered loans.
FFIEC / CFPB — FFIEC HMDA Platform — data collection timelines (US)
Section 1071 (Regulation B)
Effective 30 June 2026; compliance 1 January 2028 for lenders with 1,000 or more covered originations in each of two consecutive years; first submission 1 June 2029.
CFPB — Small Business Lending Under the Equal Credit Opportunity Act (Regulation B), final rule, 91 FR 23530 (May 1, 2026), FR Doc. 2026-08494 (US)
State annual reports and EWA filings
Per state; content and deadlines confirmed from each state's enacted text before modelling.
No regime verified for this item — the first question we ask.
What we look for
Line items, patterns and the traps underneath them
Where the figures go wrong — each one becomes a check with a derivation.
| Pattern | What it looks like in the data |
|---|---|
| Conversion mis-mapping | Transaction codes mapped to the wrong GL account after a servicing migration; balances that reconcile only by hand. |
| Acquired books | A purchased portfolio or an acquired lender with its own codes, folded into one report. |
| Covered or not | Which originations count toward a threshold, and whether a partner bank is the originator — recorded as an election, not assumed. |
| State scope | The same loan reported to several states under different definitions of in-state. |
Step 3 · the output
Every line arrives with its trail
Short sentences instead of query output. Every figure links back to the rows in your warehouse that produced it, the rule it maps to, and the person who signed the interpretation.
- MCR · originations, Texas, Q3 2026 — 1,284 loans · $412,906,200 — 4 source columns — cited
- HMDA · applications received 2026 — 18,402 — by action taken — 6 source columns
- State annual report · outstanding principal, Georgia — $96,118,004 — as of 2026-12-31
- Caveat — state annual-report content confirmed per state from enacted text before it enters a pack
Step 4 · your team decides
The system drafts. People approve.
Chief Compliance Officer
Which products and originations are in scope for each report
Head of Reporting, with data
Which columns mean what — confirmed after every system change
General Counsel
Who is the originator of record on partner-bank loans
CCO or CFO
Who approves a pack, and who releases an answer to an examiner
Nothing reaches a regulator or an authority without human approval. Every release records who asked, what was shared, who approved it, and when.
Security and control
Built for data that cannot move
Read-only, always
Your rows never leave
No model computes a number
A person confirms every mapping
Where the rules disagree, we say so
Proposed pilot
Eight weeks, measured by hours and traceability
Weeks 1–2
Weeks 3–6
Weeks 7–8
How we will measure it
- · Analyst hours per report or request
- · Time from period end, or from request, to an approved pack
- · Share of reported figures traced to source rows
Pilot terms: the pilot fee is credited against a first year signed within 30 days. Every pack carries its own caveats on its cover; nothing is suppressed to make a figure look cleaner.
Talk to us
The quarterly reports, and the exam after them
If this is on your desk, tell us what you are dealing with and we will reply within one to two business days.