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Compliance

The Changing Compliance Landscape for Consumer Lenders

Explore evolving compliance rules for consumer lenders, CFPB updates, and strategies to stay compliant in 2025 and beyond.

Cornerstone Licensing team 4 min read
Compliance

Beyond the Buzz: Navigating Regulations in Fintech Innovation

Navigate the complex world of regulatory compliance for fintech. Learn strategies to build a strong program & gain a competitive edge. Regulatory compliance for fintech has become the make-or-break factor that separates thriving financial technology companies from those that struggle or fail entirely. Here's what every fintech leader needs to know: Key Elements of Fintech [...]

Cornerstone Licensing team 17 min read
Compliance

Expert Guidance: How Navigating Regulatory Requirements Can Transform Your Business

Transform your business with expert regulatory compliance consulting. Mitigate risks, ensure efficiency, & achieve strategic advantage.

Cornerstone Licensing team 12 min read
Compliance

Passive Income or Active Risk? Rethinking the Role of Passive Debt Buyers in a High-Scrutiny Market

The Myth of the Hands-Off Buyer In the debt buying industry, a common assumption has been that "passive" debt buyers - those who purchase portfolios but outsource all collections - can take a hands-off approach with minimal regulatory risk. This myth is increasingly dangerous in today's high-scrutiny market. Even so-called passive debt buyers face significant [...]

Cornerstone Licensing team 5 min read
Compliance

Municipal Oversight in Debt Collection: City Level Licensing

Introduction: Local Rules with National Impact When most debt collectors think about licensing, they look to state-level requirements. But some of the country's most active consumer protection efforts are happening at the city level - and if you're collecting from residents in places like New York City, Chicago, Buffalo, or Yonkers, you're expected to follow local rules [...]

Cornerstone Licensing team 5 min read
Compliance

State Licensing Challenges Facing Debt Collection Agencies in 2025

Debt collection agencies face a dynamic regulatory landscape in 2025. Several states have recently overhauled licensing requirements or introduced new rules, forcing agencies to adapt quickly. Compliance teams must track changing laws, meet new application deadlines, and juggle multiple state licenses - all while keeping an eye on exemptions and opportunities to streamline the process. [...]

Cornerstone Licensing team 8 min read
Compliance

What Money Transmitters Need to Know About FinCEN's New AML Rules

The world of money transmission has always been heavily regulated, but new anti-money laundering (AML) requirements coming from the Financial Crimes Enforcement Network (FinCEN) are pushing money service businesses (MSBs) to raise their game. In 2025, FinCEN is introducing significant updates that will reshape how MSBs manage risk, monitor transactions, and prevent financial crimes. If [...]

Cornerstone Licensing team 4 min read
Compliance

How Regulators Are Addressing Digital Payments in the Crypto Era

As cryptocurrencies continue to redefine how we transfer value, regulators at the federal and state levels have been working hard to keep up. From traditional money transmitters to crypto exchanges, businesses in the space are facing a growing set of rules designed to ensure transparency, prevent money laundering, and protect consumers. The Federal Picture At [...]

Cornerstone Licensing team 4 min read

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