Network Risk Index

Do all your lenders provide jurisdiction-specific disclosures?

Yes, all lenders are jurisdiction-aware Some do, others use generic forms No, mostly generic national disclosures

Are lender relationships documented and reviewed annually?

Yes, formal annual review process Informal reviews only No review process

Do you track complaint rates per lender?

Yes, tracked and reviewed regularly Ad-hoc tracking only No tracking system

Do you receive audit reports from your lenders?

Yes, regular audit documentation Some lenders provide reports No audit visibility

Are your lender agreements standardized?

Yes, consistent terms across network Terms vary significantly by lender No standard agreement template

Do you have exposure if a lender fails compliance?

No, clear liability separation Uncertain / shared exposure Yes, significant joint liability