The CFPB, FTC, state AGs, and dental boards have made one thing unmistakable: when a provider helps a patient finance care, every disclosure, every coaching script, every lender hand-off is examinable. FinVerified is the evidence layer that makes the entire pathway defensible — for the clinic, the lender, the DSO, and the patient.
FinVerified serves four audiences across one shared pathway. Pick yours and we'll show you the exact exposure FinVerified closes — and what your dashboard looks like the day you go live.
Clinics · DSOs · MSOs
Disclose, coach, and document every patient-finance conversation. Earn an FV-Verified badge patients and regulators can trust.
For providers →Patient-finance issuers & servicers
Continuous, evidence-grade oversight of every clinic in your network. Reduce Holder-Rule and ECOA exposure with verified provider tiers.
For lenders →State AGs · CFPB · Boards
Authenticated, per-patient evidence chains. Cross-provider pattern detection. Production-ready exports for examinations and enforcement.
For regulators →& the public
Check whether your provider — or the lender they recommended — is FV-Verified. The public Registry is open, searchable, and free.
Open the Registry →Patient financing used to live in a regulatory gray zone. It doesn't anymore.
Medical and dental financing complaints have moved from a footnote to a stated supervisory priority. The CFPB has explicitly named patient-finance steering, hidden APRs, and undisclosed deferred-interest mechanics.
State enforcement is racing federal. New York, California, Massachusetts, and Washington have all signaled provider-level liability — not just lender liability.
When a provider sells care that triggers a consumer dispute, the lender inherits every defense. Holder-Rule exposure has made lender oversight of provider conduct a portfolio-survival issue.
"The provider, the lender, and the platform that connects them are all on the hook. FinVerified is the only system designed to make that pathway defensible end-to-end."
Every patient-finance conversation runs through the same four steps. FinVerified verifies and timestamps each one.
State-specific written disclosures, generated and timestamped at the chair. APR ranges, deferred-interest mechanics, dispute rights, and lender identity — every element TILA and state law require.
The MCF® coaching module trains the team to present options without steering. Comprehension checks ensure the team can actually deliver a neutral, accurate options conversation — and the certificate proves it.
The patient selects a verified lender from a neutral choice screen. The hand-off is tokenized, single-use, and signed. The lender receives a clean, attributable, ECOA-safe application.
If a dispute arises, the per-patient evidence chain is produced in minutes — not weeks. The provider, the lender, and the regulator are working from the same authenticated record.
Every disclosure, every coaching certification, every patient hand-off is hashed, timestamped, and stored in the Evidence Vault. When a complaint arrives — from the patient, the lender, the AG, or the CFPB — the chain is produced from a single authenticated export.
Each location runs a live Compliance Status score driven by disclosure completeness, MCF® currency, hand-off integrity, and dispute resolution time. Lenders see provider tiers across their network. Patients see FV-Verified status in the public Registry. Nothing is hidden.
Steering — pushing a patient toward one lender for unrelated reasons — is the single highest-magnitude enforcement risk in patient financing. FinVerified replaces it with a neutral, choice-architected selection screen. The result: more applications converted, less liability earned.
No setup fees. No per-disclosure charges. Cancel anytime — your evidence chain is yours and you can export it on the way out.
All compliance modules. Unlimited disclosures. One location.
Centralized, Supervised, or Federated. Per-seat $6.99/mo where applicable.
Network-scaled. Priced to portfolio size and oversight depth.