Under the FTC Holder Rule, every patient dispute flows back to you. Under ECOA, every fair-lending allegation against a clinic in your network becomes a portfolio question. FinVerified gives you continuous, evidence-grade oversight of every provider you fund — with verified tiers, per-loan evidence chains, and exam-ready exports.
Three regimes — each one with portfolio-level consequences if a clinic in your network gets it wrong.
A patient files a complaint about the underlying care, the financing, or the disclosure. The Holder Rule lets them assert every defense they have against the provider against the lender. Without a clean, attributable evidence chain from the clinic, you absorb the loss — and the supervisory finding.
Fair-lending statistics aren't only about your underwriting model. If a clinic in your network is treating applicants differently — in coaching, in disclosure, in lender selection — that disparity lands in your portfolio. FinVerified surfaces provider-level signals before they become enforcement actions.
"Show me how this patient was disclosed." "Show me who coached them." "Show me how they selected your product." These are the questions that arrive in an exam. FinVerified produces the chain — per loan, per patient, authenticated — from a single export.
FV-L is a continuous, earned status. Tier reflects depth of oversight and time on platform — not a one-time form.
Onboarded. Identity and licensing verified. Connected to FinVerified's neutral choice screen. The baseline for receiving patient hand-offs.
90 days of clean operation. ECOA monitoring active. Provider-network oversight live. Evidence chains complete on 95%+ of loans.
Sustained L2 performance plus AI-assisted compliance review and FinVerified administrator approval. The top tier on the public Registry.
Honest answers, honest score. We'll show you the specific exposures FinVerified would close across your provider network — and which tier you'd qualify for today.