Offering credit services comes with many legal and regulatory challenges. Whether it’s consumer credit, business loans, BNPL structures, credit intermediation or crowdfunding platforms – the requirements of the regulator are strict and will be further tightened with CCD2 (the revised Consumer Credit Directive).
This means that as a FinTech, you not only have to come up with an innovative proposition, but you also have to comply with complex licensing requirements, information obligations and compliance processes. One mistake can lead to high costs, reputational damage, or even having to discontinue your services.
Finnick helps you to prevent this by:
- Carefully preparing and coordinating AFM license applications, ensuring the process runs smoothly and avoiding unnecessary delays or additional questions. Read more here.
- Assessing whether your model is subject to licensing requirements under the Wft, CCD2 or the Crowdfunding Regulation, so you know exactly if and what license is needed
- Structuring your credit proposition – with transparent terms, clear customer information and solid governance
- Setting up documentation and compliance – from client contracts to credit checks and internal controls
- Reviewing or providing second opinions on existing models or new initiatives, so you know you are on the right track
We support:
- Providers of consumer and business loans
- BNPL providers and other post-payment solutions
- Credit mediation between customers and financiers
- Crowdfunding platforms
- FinTechs that integrate loans into their online proposition, such as via webshops or platforms
From 20 November 2026, consumer credit legislation will change under the Consumer Credit Directive 2 (CCD2).