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.
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.
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.
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.
Affordability Evidence Capture
Open banking integration for income verification, transaction history analysis, and affordability assessment documentation meeting FCA CONC and EU CCD standards.
Ongoing Portfolio Screening
Existing borrowers re-screened against sanctions and PEP lists on a configurable cadence. Status changes trigger review workflows.
FCA CCA & CCD Reporting
Pre-built reporting for FCA consumer credit returns, EU CCD templates, and BNPL-specific reporting frameworks.
Lending Regulatory Coverage
Every lending regulator that matters — FCA, EU CCD, CFPB, MAS — with BNPL-specific rules included.
Every Lending Product, Every Origination Channel
Consumer Credit
Credit cards, personal loans, point-of-sale finance — instant KYC, affordability assessment, and ongoing sanctions screening.
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.
SME Business Lending
Business KYB + director KYC + guarantor screening + company financial assessment integrated into a single origination flow.
Mortgage & Secured Lending
Full KYC + source-of-funds + property-title screening for mortgage and secured lending with FCA MCOB alignment.
Lending Compliance FAQ
Lending Compliance Without the Friction
See how lenders use One Constellation to deliver instant credit decisions while staying regulator-ready.