💰 pack: lending-pack

Underwrite credit without the ECOA class-action.

Extending credit, BNPL, payroll advance, line of credit, or healthcare financing? GreatCTO auto-attaches lending-pack with ECOA / Reg B adverse-action (≤4 specific reasons, 30-day SLA), FCRA permissible purpose, NMLS state licensing matrix, MLA 36% MAPR cap, and fair-lending disparate-impact analysis via BISG.

$ npx great-cto init All packs ↗
Auto-attach signals

Detected by CLI when:

plaid · loan · lending · BNPL · payroll advance · FCRA · ECOA · NMLS · adverse action

The pack rides on top of your base archetype (web-service, ai-system, fintech, …) — it doesn't replace it. Auto-injects reviewer agents into the pipeline + opens human gates listed below.

Reviewer agents activated

1 specialist added to the pipeline.

01 · lending-credit-reviewer

ECOA / Reg B + FCRA + NMLS state matrix + MLA + UDAAP + CFPB §1033 + BISG fair-lending

Human gates introduced

1 new gate type on top of gate:plan + gate:ship.

GateOwnerTrigger
gate:fair-lendingcompliance + statisticianevery credit-model release
Required artefacts before senior-dev claims tasks

8 concrete deliverables.

EVAL suite required

3 golden-set scenarios shipped as templates.

Each EVAL has ≥5 test cases, pass threshold, regression interpretation, cross-refs to TM + gates. Run via your existing test framework.

Regulatory surface covered

7 standards / regulations addressed.

ECOA / Reg B (12 CFR 1002) FCRA (15 USC §1681) MLA (10 USC §987 / 32 CFR 232) TILA / Reg Z CFPB Circular 2023-03 CFPB §1033 final rule (2024) BISG methodology
Real-world examples

30 companies in this space.

Affirm
BNPL for transparent consumer finance
publicUS
LendingClub
P2P consumer lending pioneer
publicUS
OnDeck
SMB online lending
publicUS
Sezzle
BNPL with 0% interest
publicUS
SoFi
Consumer finance + lending
publicUS
Upstart
AI-driven personal loans
publicUS
Credit Karma
Free credit scores + lending marketplace
subsidiaryUS
Akulaku
Indonesia BNPL + lending
growthID
Atom Bank
UK app-only bank
growthGB
CRED
India premium credit-card platform
growthIN
Creditas
Brazil consumer lending
growthBR
Klarna
Global BNPL + shopping platform
growthSE
MNT-Halan
Egypt's leading fintech ecosystem
growthEG
Monzo
Mobile bank for UK + EU
growthGB
Plaid
Financial data API
growthUS
Starling Bank
UK digital bank
growthGB
Uplift
BNPL for travel
growthUS
JUMO
Banking-as-a-service for emerging markets
series-eZA
Konfío
Financial services for Mexican SMBs
series-eMX
Qonto
Business banking for European SMBs
series-dFR
Sunbit
Buy-now-pay-later for in-person purchases
series-dUS
Tabby
BNPL platform for MENA
series-dAE
Aspire
All-in-one finance for SE Asia SMBs
series-cSG
Kueski
Mexico BNPL + consumer lending
series-cMX
Stori
Mobile credit card for Mexico's middle class
series-cMX
Tamara
BNPL platform for Saudi Arabia + UAE
series-cSA
Capchase
Non-dilutive funding for SaaS
series-bUS
Moove
Vehicle financing for African gig workers
series-bNG
Scalapay
BNPL for European retail
series-bIT
Wisetack
Point-of-sale consumer financing
series-bUS

Listed companies operate in this space. Inclusion is based on publicly available product descriptions and does not imply endorsement of or by GreatCTO.

FAQ

Common questions about lending-pack.

When does lending-pack auto-attach?
When the CLI detects these signals in your repo: plaid · loan · lending · BNPL · payroll advance · FCRA · ECOA · NMLS · adverse action. Override anytime by editing packs: in PROJECT.md.
What human gates does lending-pack introduce?
gate:fair-lending (compliance + statistician). These layer on top of the standard plan/ship gates.
What if my project doesn't match these signals exactly?
You can manually add the pack name to PROJECT.md or run /migrate to re-run detection with updated rules.
30 seconds

Drop GreatCTO into any repo — lending-pack attaches automatically.

$ npx great-cto init
no signup·runs locally·pay your own API