Compliance isn't a document we hand over at the end — it's designed into our accelerators and our delivery. Here's how we build for the rules in each market you operate in.
The RBI's Digital Lending Directions (notified 8 May 2025) consolidated and tightened the rules: lenders are fully liable for the conduct of their lending service providers and recovery agents, borrowers must receive clear disclosures and digitally signed documents, and reporting obligations (including CIMS) apply.
Brilfin builds to this directly — recovery-agent controls and borrower communication in the servicing module, mandatory disclosures and consent in origination, and CIMS-ready reporting in the governance layer.
The FCA's Consumer Duty raises the bar on fair outcomes, affordability, and support for customers in difficulty — and BNPL lending comes under the FCA's remit on 15 July 2026, bringing affordability checks and new product-governance expectations.
Brilfin's accelerators support affordability assessment, fair-outcome disclosures, and the audit trails the FCA expects.
The EU AI Act reached full enforcement for high-risk AI systems in financial services in 2026, requiring explainability, bias auditing, and human oversight for credit-decisioning models — relevant to any lender serving EU customers.
Our Credit Decisioning & AI Underwriting engine is built around exactly these requirements: reason codes, fairness testing, model governance, and human-in-the-loop routing.
For every engagement we encode the relevant regimes into the Compliance, Reporting & Governance accelerator and into our delivery checklist — so what ships is compliant by design, and stays auditable as the rules evolve.