Lenders in the EU must document how they assess creditworthiness, inform customers, handle personal data and prevent money laundering, and the revised Consumer Credit Directive (CCD2) applies from 20 November 2026. Finsora builds these requirements into everyday processes: standardised disclosures, consent records, documented credit decisions, retention rules, AML workflows, a full audit trail and configurable regulatory reports.
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Compliance and regulatory reporting
Templates for standard information, APR calculation and document versioning.
Data, checks and reasons behind every decision stored and retrievable.
Consent records, data access and deletion requests, retention periods.
Risk rating, enhanced due diligence tasks and periodic reviews.
Who did what and when, plus configurable reports for supervisors.
Who it's for
Capabilities and integrations
How implementation works
Your processes compared with the requirements you must meet.
Templates, rules, retention and reports set up.
Testing with your compliance team or advisor.
Updates as regulation and guidance change.
Compliance and regulatory reporting
Directive (EU) 2023/2225 (CCD2) had to be transposed into national law by 20 November 2025 and applies from 20 November 2026. National laws may differ in details.
Among other things: a wider scope including many BNPL and small loans, stricter creditworthiness assessment, clearer pre-contractual information and new rules on advertising and cross-selling.
No software can guarantee compliance on its own. The platform provides the processes, records and reports; your policies and legal advice remain essential.
Hosting location is agreed per client; EU-based hosting is available to support GDPR requirements.
Compliance and regulatory reporting
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