Lender of record structures in Canadian fintech lending
Which entity is the lender of record in a fintech lending product determines disclosure obligations, licensing exposure, and how regulatory risk is allocated across the structure.
Lending compliance structures
Legal and regulatory considerations for platforms offering, arranging, or supporting credit products.
Fintech lending models should be reviewed against the actual role played by the platform, lender, servicer, broker, technology provider, and customer-facing channel.
Why structure matters
Credit products can raise issues around disclosure, licensing, servicing, partner oversight, data use, and consumer protection. The legal analysis should match the operating model rather than the product label.
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