Related permanent research
Lending & consumer financeResearch updated Oct 4, 2026
Cash-flow underwriting is already used in bank, CDFI, merchant and mortgage workflows. This expanded review maps adopters and motives, separates historical adoption statistics from live coverage, examines predictive and adverse evidence, and explains affordability, operational, economic and governance risks.
Financial company profileResearch updated Oct 4, 2026
The Bend, Oregon infrastructure company exposes bank accounts and U.S. payment rails through detailed APIs. Its July 2026 bank launch expands the model, while current contracts preserve separate technology, bank and platform roles.
Payments & financial infrastructureResearch updated Oct 4, 2026
Sponsor banking links distinct creditors, issuers, technology providers and asset buyers. New product-level evidence clarifies those roles, alongside Parafin’s proposed Stripe transaction and the limits of announced embedded-banking adoption.
Financial company profileResearch updated Oct 4, 2026
Parafin embeds working capital, financing for business purchases and revolving cards into business software. Its pending Stripe acquisition brings attention to a model built on platform data, several bank relationships and capital-market funding, with important differences between sales-based payments, bank loans and cash advances.
Policy & official records
Curated library records that name Tekion or connect through its linked research. The official source provides full scope and status.
OCC / FDIC / Federal Reserve2024-07-25 · Supervisory statement
Responsibility, records and risks in bank-fintech deposit programs.
Official record ↗OCC / FDIC / Federal Reserve2024-05-07 · Voluntary guide
Practical considerations for community-bank third-party relationships.
Official record ↗OCC / FDIC / Federal Reserve2023-06-06 · Supervisory guidance
Planning, diligence, contracts, monitoring and termination; tailored to risk.
Official record ↗OCC2021-10-21 · Current posted examination handbook
Overview of payment systems, payment types, operational exposures and risk-management practices. Useful context for bank payment operations and outsourced processing.
Official record ↗CFPB2021-09-20 · Current posted examination procedures
Procedures for evaluating technology and service-provider controls as part of consumer-compliance management. Connects system design, oversight and testing to risks of consumer harm.
Official record ↗OCC / FDIC / Federal Reserve / NCUA2020-05-20 · Current posted supervisory guidance
Principles for responsibly offering small-dollar credit, with attention to successful repayment, clear terms and sound risk management. Provides product-design context alongside applicable consumer-credit rules.
Official record ↗OCC / FDIC / Federal Reserve / CFPB / NCUA2019-12-03 · Current posted supervisory guidance
Addresses consumer-protection opportunities and risks from alternative underwriting data, including cash-flow data. Encourages analysis of applicable laws and compliance controls before deployment; it does not exempt a model from consumer-protection requirements.
Official record ↗OCC2019-07-24 · Current posted supervisory guidance
Guidance on fraud governance, prevention, detection, response and loss monitoring across the bank. The posted bulletin marks removal of reputation-risk references on March 20, 2025.
Official record ↗OCC2019-07-15 · Current posted examination handbook
Examination reference for board oversight, management responsibilities and bank risk governance. Use the posted revision notices and applicable rules alongside this July 2019 handbook.
Official record ↗OCC2018-06-28 · Current posted examination handbook
Consumer-compliance risk management within the OCC’s risk-based examination approach. Useful for evaluating compliance programs and oversight across products and service providers.
Official record ↗CFPB2017-08-30 · Current posted examination procedures
Covers management oversight, the compliance program, service-provider controls, violations and consumer harm. Useful for testing whether responsibilities and corrective actions work across the product lifecycle.
Official record ↗CFPBDate not provided · Codified rule
Ability-to-pay requirements for opening card accounts and increasing credit limits, including special rules for younger consumers. Separate from the mortgage ability-to-repay and qualified-mortgage framework.
Official record ↗FDICDate not provided · Examination manual; current collection
FDIC compliance and Community Reinvestment Act examination resource. Individual chapters have different revision dates; newer laws, final rules and agency instructions must be read alongside older examination text.
Official record ↗FDICDate not provided · Current codified rule
Restrictions and exceptions governing activities and investments of insured state banks and savings associations, including subsidiaries and FDIC consent. Useful when assessing charter-specific partnership or product authority.
Official record ↗FDICDate not provided · Current codified rule
Subpart C contains the FDIC-supervised bank and service-provider notification framework. Section 304.23 sets the bank’s outside limit at 36 hours after determining that a notification incident occurred; service providers have a distinct trigger under §304.24.
Official record ↗