Skip to content

FCRA Compliant Models

Turn model outputs into decision-ready, FCRA-compliant outcomes.

Decisioning that holds up to regulatory scrutiny through licensed data.

  • Book a consultation
  • Developer Docs
Cross river
Coastal community bank
Choice Bank
Banktech ventures
keeta

See how SOLO licenses data and services decisions.

Two ways to use SOLO.

Data Licensing

Build, enrich, or personalize AI models.

Use SOLO's decision-grade, licensed data to develop net-new models or enhance existing ones — with full lineage, permissible use, and FCRA compliance built in.

Compatible with:

+23

Got questions? Get answers.

An answer is a response that provides information, clarification, or a solution to a question, problem, or inquiry. An answer is the explanation or solution paired with each question to This is a linkout ↗ help users find what they need.

An answer is a response that provides information, clarification, or a solution to a question, problem, or inquiry. An answer is the explanation or solution paired with each question to This is a linkout ↗ help users find what they need.

An answer is a response that provides information, clarification, or a solution to a question, problem, or inquiry. An answer is the explanation or solution paired with each question to This is a linkout ↗ help users find what they need.

An answer is a response that provides information, clarification, or a solution to a question, problem, or inquiry. An answer is the explanation or solution paired with each question to This is a linkout ↗ help users find what they need.

An answer is a response that provides information, clarification, or a solution to a question, problem, or inquiry. An answer is the explanation or solution paired with each question to This is a linkout ↗ help users find what they need.

An answer is a response that provides information, clarification, or a solution to a question, problem, or inquiry. An answer is the explanation or solution paired with each question to This is a linkout ↗ help users find what they need.

Decision Servicing

Bring your own model for SOLO to service

Service decisions from SOLO models or your own with built-in explainability, auditability, and FCRA-grade servicing for consumer outcomes.

Compatible with:

+23
Use casesImpactsHow it worksCase studiesModules
Now viewing:

Where licensed data is deployed.

View templates
Agentic Workflows

Agentic Workflows

Trusted data for autonomous decisions.

output:

  • R&D Chips
  • Lineage Records
monitoring

Fraud Monitoring

Keep risk signals current.


output:

  • R&D Chips
  • Fraud Attributes
Compliant Personalization

Compliant Personalization

Personalization that holds up to scrutiny.

output:

  • R&D Chips
  • Consent Records
Customer AI / LLM Systems

Customer AI / LLM Systems

Auditable data for compliant AI.


output:

  • R&D Chips
  • Consent records

Why teams license data and decisions through SOLO.

Build your moat with your model.
01

Shared upside drives adoption, distribution, and data quality.

02

Governed for provenance, permissioning, inspectability, and IP boundaries. SOLO handles FCRA obligations end to end. Every dataset and decision is governed for provenance, permissioning, inspectability, and IP boundaries with SOLO handling FCRA obligations end to end.

03

Every feature and decision can be traced back to source entity, consented permissible use, and clear audit trails. No black boxes.

04

Licensed data moves with verification artifacts, so model customers can prove end to end compliance in regulated environments.

From licensed data to reproducible models.

Connect your models
01

Specify attributes, quality thresholds, refresh cadence, and permitted purposes to create your own governed data specs (ex, M2).

02

Select data packs and levels of intended use for your model.

03

Subscribe and lock data versions to keep models stable as you scale.

04

Leverage SOLO's FCRA framework to service adverse action responses and required outcomes for regulated institutions.

Real world results.

View cases
stats

The building blocks of licensed decisioning.

Data Licensing
01

License data with clear provenance, permissible use, and IP boundaries, built for regulated model development.

02

Serve decisions from SOLO models or your own with built-in explainability, auditability, and FCRA-grade servicing.

03

Collect required consent from customers and correct records when needed.

04

Route decision data and corrections across your tech stack.

Where governed decisions get deployed.

/case-studies
Decision Products as a Service

Decision Products as a Service

Ship decisions others can trust.

output:

  • Decision APIs
  • Compliance packages

Business Bank Account Conversion Scores Improve by 55%

  • Output:
  • Ownership
  • KYB Verification
stats

Conversion Scorecard: The Industry's Report Card

  • Output:
  • Income
  • KYC Verification
stats

Conversion Improvements on Consumer Onboarding

  • Output:
  • Income
  • KYC Verification
Fraud & Identity

Fraud & Identity

Reuse decisions without duplicate checks.

output:

  • Identity decisions
  • Fraud scores
KYC / Onboarding Decisioning

KYC / Onboarding Decisioning

Reusable onboarding decisions.

output:

  • KYC decisions
  • Consent records
Credit and Underwriting

Credit and Underwriting

Explainable credit decisions.

output:

  • Credit decisions
  • Explainability reports

Why teams license data and decisions through SOLO.

Build your moat with your model.
01

Shared upside drives adoption, distribution, and data quality.

02

Governed for provenance, permissioning, inspectability, and IP boundaries. SOLO handles FCRA obligations end to end.

03

Every feature and decision is linked to source, consent, and lineage.

04

Outcomes surface verification artifacts and inputs, so model customers can stay compliant in regulated environments.

From model output to governed decision.

Connect your models
01

SOLO turns an existing model into a compliant, licenseable decision product other institutions can compliantly action on as a single factor.

02

SOLO interacts directly with customers to send compliant adverse action notices and next steps.

03

SOLO leverages FCRA compliant framework to remediate customer disputes and help them correct their record.

04

Give customers a path forward, helping them build their record with data that closes the gap.

Real world results.

View cases
stats

Business Bank Account Conversion Scores Improve by 55%

  • Output:
  • Ownership
  • KYB Verification
stats

Conversion Scorecard: The Industry's Report Card

  • Output:
  • Income
  • KYC Verification
stats

Conversion Improvements on Consumer Onboarding

  • Output:
  • Income
  • KYC Verification

The building blocks of model servicing.

Data Licensing
01

(Only eligible with Data Licensing) License data with clear provenance, permissible use, and IP boundaries, built for regulated model development.

02

Serve decisions from SOLO models or your own with built-in explainability, auditability, and FCRA-grade servicing.

03

Collect required consent from customers and correct records when needed.

04

Route decision data and corrections across your tech stack.

Replace repetitive workflows with reusable network memory.

  • Book a consultation
  • Customer Intake
  • Data Dividends
  • Model Building
  • Query API
  • Index API
  • Collect SDK
  • Furnish API
  • Documentation
  • Company
  • Blog
  • Templates
  • KYC Certificates
  • KYB Certificates
  • Confirmed Fraud Attributes List
  • Known Bad Actor List
  • Fintechs
  • Sponsor Banks
  • Banks
  • AI Builders
  • Account Opening & Onboarding
  • Fraud Prevention / BSA & AML
  • Financial Assessment
  • Terms of Service
  • Privacy Policy
  • Trust Center

© SOLO FINANCE INC. 2026

Products

  • Customer Intake
  • Data Dividends
  • Model Building

Platform

  • Query API
  • Index API
  • Collect SDK
  • Furnish API
  • Documentation

Resources

  • Company
  • Blog
  • Templates

Templates

  • KYC Certificates
  • KYB Certificates
  • Confirmed Fraud Attributes List
  • Known Bad Actor List

Solutions

  • Fintechs
  • Sponsor Banks
  • Banks
  • AI Builders
  • Account Opening & Onboarding
  • Fraud Prevention / BSA & AML
  • Financial Assessment

Legal

  • Terms of Service
  • Privacy Policy
  • Trust Center
Book a consultation

What we do

  • Customer Intake
  • Model Building
  • Data Dividends

Data Products

  • KYC Certificate
  • KYB Certificate
  • Confirmed Fraud Attribute List
  • Known Bad Actor List
View All

Platform

  • Query API
  • Index API
  • Furnish API
  • Collect SDK
  • Documentation
NewsWhy 100+ community banks backed SOLO

BY INDUSTRY

  • Fintechs
  • Sponsor Banks
  • Banks
  • AI Builders

BY USE CASE

  • Identity Verification
  • Fraud Prevention / BSA & AML
  • Financial Assessment
  • Ongoing Monitoring

Customer story

Choice Bank Reduced SMB Loan Application Conversion by 55%

Output:INCOMEKYC VERIFICATION

Explore

  • Company
  • Blog
  • Templates
  • Data P&L
Georgina M.Founder & CEO

LEARN

How SOLO works

Explore

SOLO’s Open Banking Network