Guides
Compliance & operations guides for non-bank lenders
Practical, plain-language guides to the compliance and case-processing work lenders face — with the regulatory context that drives it.
How to write a compliant adverse action notice
Step-by-step guide to writing an adverse action notice that satisfies ECOA/Reg B — with the five required elements and common mistakes to avoid.
Reg B record retention requirements
What records Regulation B requires lenders to keep, for how long, and what examiners look for — practical guidance for non-bank lenders.
Fannie Mae LL-2026-04 AI governance readiness
Practical readiness guide for Fannie Mae Lender Letter LL-2026-04 — the AI governance requirements effective August 6, 2026, for sellers and servicers.
ECOA compliance checklist for lenders
A practical ECOA/Reg B compliance checklist for non-bank lenders — covering application intake, adverse action, recordkeeping, and AI-assisted decisions.
Bank statement analysis for MCA underwriting
How merchant cash advance underwriters use bank statement analysis — what to look for, red flags, and how to document findings in a defensible case file.
How to detect MCA stacking
How MCA funders identify merchants with multiple simultaneous advances before funding — data signals, bank statement patterns, and a pre-funding stacking check process.
Audit trail requirements for AI lending decisions
What a regulatorily defensible audit trail for AI-assisted credit decisions must contain — under ECOA/Reg B, emerging AI governance rules, and examiner expectations.
What happens if you default on a merchant cash advance
What MCA default means, what funders can do, and what merchants should understand about confessions of judgment, UCC liens, and reconciliation rights.
How to underwrite a merchant cash advance
A practical MCA underwriting guide for funders — covering bank statement review, stacking checks, advance sizing, and building a defensible case file.
UCC filing guide for funders
How MCA funders and commercial lenders file, search, and manage UCC-1 financing statements — a practical guide to protecting your security interest and detecting stacking.
How to build a lending compliance program
A practical framework for small non-bank lenders building a compliance program — covering policies, adverse action, record retention, fair lending, and audit infrastructure.
Adverse action reason codes explained
What adverse action reason codes are, how to select them correctly, and why vague or inaccurate reason codes create ECOA/Reg B liability — a practical guide for lenders.
KYB verification best practices
How non-bank lenders and MCA funders should conduct Know Your Business (KYB) verification — what to check, how to document it, and common fraud patterns to detect.
What is a good DSCR for business loans
What debt service coverage ratio lenders require for business loans, how DSCR thresholds vary by product type, and how to calculate DSCR for SMB and commercial lending.
The institution around the intelligence
See Hadrian run your case lifecycle — intake to close, every decision audited.
Governance-native case processing for lenders and regulated teams.