Free INDUSTRY EBOOK
THE STATE OF REGULATORY RISK IN LENDING
Developed in collaboration with Chuck Dodge of Hudson Cook, A report on where regulatory pressure is rising for nonbank lenders in 2026, and how that pressure is reshaping licensing, partnerships, supervision, product design, servicing, and data governance across consumer, small-business, and commercial finance.
Licensing complexity, state oversight, and exam trends
Bank and vendor partnership risk, servicing, and product structure
AI, data governance, commercial finance, BNPL, and earned wage access
What You’ll Learn
the regulatory forces reshaping nonbank lending
Regulatory risk in lending now follows the operating model. Licensing scope, third-party structures, product design, servicing, marketing, data use, and multistate expansion all shape how lenders are supervised and where problems escalate. Developed in collaboration with Chuck Dodge, Partner of Hudson Cook, this ebook looks at where that pressure is building in 2026 and why the risk for nonbank lenders now extends beyond what is written in the rules.
We cover the issues shaping consumer, small-business, and commercial finance today, including licensing complexity, state-law variation, examinations and supervision, bank and vendor partnership risk, commercial-finance oversight, BNPL and earned wage access, fair lending, auto finance, furnishing and reporting controls, AI and data governance, and onboarding integrity. The ebook also looks at how these issues affect growth plans, internal controls, investor confidence, and day-to-day execution across lending teams.
Throughout the ebook, we connect legal and regulatory developments to the parts of the business regulators actually review, showing where strong programs invest, where pressure tends to build, and which questions matter most as lenders grow across products, partners, and jurisdictions.