Carleton, Inc.
Consumer Lending Software

Carleton Compliance Blog

This blog is a forum for announcements of regulatory changes, regulatory interpretation related to lending computations and computational questions related to: consumer loans and leasing, debt protection and credit insurance, fees, amortization schedules and interest accrual.

Compliance Alert Tennessee (Updated) - 5/25/2017

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Posted on May 25, 2017

The Common Denominator

Jean-Baptiste Alphonse Karr famously wrote “plus ça change, plus c’est la même chose’ “The more things change, the more they stay the same.” This statement is applicable in many situations but

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Posted on Oct 14, 2016

Military APR Requirements are right around the corner... Are you ready? We are...

As October 3rd approaches, the Carleton team wants to ensure that our partners are equipped to comply with the new Military Lending Act requirements. The maximum 36% Military Annual Percentage Rate (MAPR) requirement has been

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Posted on Sep 15, 2016

It's Not Just the Rate...

At Carleton, we spend a lot of time and focus on helping our partner lenders stay compliant in the area of the maximum state finance charge that is allowed by a statute or regulation. Consistent with our expertise, once we drill down to the granular detail, the compliant calculations are not always

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Posted on Jul 11, 2016

Military APR Changes on the Horizon

Carleton announces the June release of the latest CarletonCalcs Origination Module to support the Changes identified in the 2015 amendment

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Posted on May 18, 2016

How "Clean" is That Portfolio?

An industry trend of the steadily increasing pace of regulation and the resulting volume of requirements is placing a great deal of pressure on an already stressed “creditor” compliance management systems

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Posted on Apr 25, 2016

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