Industry · Lending, Credit & BNPL
🇬🇧 FCA CCA · 🇪🇺 CCD · 🇺🇸 CFPB · 🌐 FATF

Lending KYC & Compliance Software for Lenders & Credit Providers

Automate KYC at credit origination, AML screening across loan portfolios, and regulatory compliance for FCA CCA, EU Consumer Credit Directive, and BNPL frameworks. Built for consumer lenders, business lenders, and BNPL providers.

Lender · Origination Pipeline
Instant Credit KYC
Biometric + affordability
Verified
🏢
SME Lending KYB
Business UBO mapped
Complete
🛡️
Fraud + AML Screening
Per-application
Active
📋
FCA · CCD Reporting
Multi-framework
Ready
The Challenge

Lending Compliance in a Fast-Moving Regulatory Environment

The lending landscape is transforming — BNPL now falls under FCA consumer credit regulation in the UK, EU Consumer Credit Directive 2023 updates affordability requirements, and CFPB expectations for US lenders continue to tighten. At the same time, consumer expectations demand instant credit decisions. Compliance infrastructure must deliver regulator-grade controls at fintech speed.

Speed vs Compliance Tension

Modern borrowers expect instant credit decisions. Regulators expect thorough KYC, affordability assessment, and AML screening. Legacy stacks can deliver one or the other — not both.

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SME Lending KYB Complexity

Small business lending requires KYB on the borrowing entity plus KYC on directors and personal guarantors. Corporate structures, even for SMEs, often require UBO mapping.

🏛️

BNPL Regulatory Catch-Up

BNPL providers face retrospective regulation — FCA consumer credit rules, EU CCD updates. Existing portfolios need to be brought into compliance without disrupting user experience.

How We Help

Credit Compliance at Fintech Speed

One Constellation provides the KYC, fraud, and AML infrastructure lenders need to approve good borrowers fast while keeping regulators satisfied.

Instant Credit Origination KYC

Biometric identity verification + document authentication + sanctions and PEP screening — completed in under 60 seconds for low-risk applicants.

💼

SME & Business Lending KYB

Business entity verification, director KYC, personal guarantor screening, UBO mapping — packaged for small business lending workflows.

🛡️

Fraud & AML Screening

ML-based fraud detection (synthetic identity, application velocity, device fingerprinting) combined with AML screening — single call, single decision.

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Affordability Evidence Capture

Open banking integration for income verification, transaction history analysis, and affordability assessment documentation meeting FCA CONC and EU CCD standards.

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Ongoing Portfolio Screening

Existing borrowers re-screened against sanctions and PEP lists on a configurable cadence. Status changes trigger review workflows.

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FCA CCA & CCD Reporting

Pre-built reporting for FCA consumer credit returns, EU CCD templates, and BNPL-specific reporting frameworks.

Regulatory Coverage

Lending Regulatory Coverage

Every lending regulator that matters — FCA, EU CCD, CFPB, MAS — with BNPL-specific rules included.

🇬🇧
FCA CCA / CONC
UK Consumer Credit
🇪🇺
EU CCD 2023
Consumer Credit Directive
🇺🇸
CFPB / TILA
US Consumer Protection
🇺🇸
FinCEN BSA
US AML for Lenders
🇸🇬
MAS Lending Rules
Singapore Consumer Credit
🇦🇺
NCCP Act
Australian Credit Act
🌐
BNPL Frameworks
Emerging Regulation
🌐
FATF Rec 10
Customer CDD
Use Cases

Every Lending Product, Every Origination Channel

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Consumer Credit

Credit cards, personal loans, point-of-sale finance — instant KYC, affordability assessment, and ongoing sanctions screening.

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Buy Now Pay Later

Low-friction KYC calibrated to transaction size, with escalation to full CDD at thresholds and regulatory reporting for FCA and EU CCD.

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SME Business Lending

Business KYB + director KYC + guarantor screening + company financial assessment integrated into a single origination flow.

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Mortgage & Secured Lending

Full KYC + source-of-funds + property-title screening for mortgage and secured lending with FCA MCOB alignment.

FAQ

Lending Compliance FAQ

What KYC is required for consumer lending?+
FCA MLR 2017 requires identity verification, sanctions and PEP screening, and risk-based CDD proportionate to the lending product. FCA CONC adds affordability assessment and responsible lending requirements. EU CCD and UK Consumer Credit Act require further specific disclosures and documentation. Our platform handles all of these in a single application flow.
How does OC handle BNPL compliance?+
BNPL is moving into full FCA consumer credit regulation in the UK and is already covered under EU CCD 2023 updates. Our platform supports graduated KYC — light-touch for small transactions, full CDD at FCA-specified thresholds — with compliance reporting pre-configured for the new frameworks.
Can OC deliver KYC fast enough for instant credit decisions?+
Yes. Biometric identity verification plus document authentication plus sanctions/PEP screening completes in under 60 seconds for clean applicants. Exception flows handle EDD cases without blocking the main origination funnel.
Does OC integrate with loan origination systems?+
Yes. We provide REST APIs and webhook integrations for major LOS platforms. KYC, fraud, and AML decisions flow into credit decisioning without duplicate data entry.
How does OC support SME lending KYB?+
Our KYB workflow handles small business origination — business entity verification, director KYC, personal guarantor screening, and UBO mapping — in a streamlined flow suitable for SME lending volume.
What ongoing screening does OC provide for loan portfolios?+
Existing borrowers are continuously re-screened against sanctions, PEP, and adverse media lists. Any hits trigger review workflows. Portfolio-level AML monitoring detects unusual repayment patterns, potential structuring, and other AML red flags.

Lending Compliance Without the Friction

See how lenders use One Constellation to deliver instant credit decisions while staying regulator-ready.