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Insights
Notes from the practice.
Short, declarative writing on the questions our clients are working through — tribal lending governance, payments rails, model risk, and sovereign economic development.
April 8, 2025
Tribal Lending · Economic Development · Impact
How Tribal Lending Revenue Is Rebuilding Community Infrastructure
From water systems to health clinics, online lending revenue is quietly funding the public goods that federal appropriations have underfunded for generations.
6 min read
March 25, 2025
Tribal Lending · Workforce · Impact
Sovereign Lending and the Tribal Workforce Pipeline
Compliance, underwriting, and servicing roles inside TLEs are creating a generation of tribal members with transferable financial-services careers.
5 min read
February 18, 2025
Tribal Lending · Compliance
Choice-of-Law and the Modern Tribal Lending Entity
How Tribal Nations preserve sovereign immunity and tribal choice-of-law while operating compliant, transparent consumer credit programs.
7 min read
January 22, 2025
Payments · Compliance
NACHA Return Rates: A Quiet Risk Most Lenders Underestimate
Administrative, unauthorized, and overall return thresholds remain the fastest path to ODFI scrutiny. A practical remediation framework.
5 min read
December 9, 2024
Risk · AI/ML
Model Governance for ML-Driven Underwriting
Alternative-data scorecards expand access — and expand the surface area for fair lending review. A governance posture that holds up to examination.
6 min read
November 4, 2024
Tribal Lending · Strategy
Lending as Sovereign Economic Development
Consumer credit is one instrument among many. The strongest tribal programs we work with treat it as part of a long-term diversification thesis.
4 min read
September 16, 2025
AI/ML · Compliance · Tribal Lending
Fair Lending Guardrails for AI Underwriting in Tribal Programs
The CFPB's 2024 circular on adverse-action notices and the OCC's 2024 risk guidance on AI raised the bar for explainability. What that means for tribal underwriting stacks running ML scorecards.
6 min read
July 22, 2025
Economic Development · Strategy
The Native CDFI Capital Stack in 2025
Treasury's CDFI Fund awarded a record round to Native CDFIs in 2024, and the Native American CDFI Assistance program continues to expand. How tribal economies are stacking that capital with lending revenue and NMTC allocations.
6 min read
May 13, 2025
Compliance · Policy · Economic Development
Section 1071 Small-Business Data Collection: Where Tribal Lenders Stand
After the 2023 final rule, 2024 court stays, and the CFPB's 2025 compliance-date extensions, Section 1071 reporting is on a staggered runway. What tribal small-business lenders should be building now.
7 min read
October 28, 2024
Payments · Strategy
FedNow, RTP, and the Next Decade of Tribal Lending Rails
Instant payment rails are no longer a 2030 question. Volume on FedNow and RTP roughly doubled in 2024. What that changes for tribal consumer-credit disbursement and collection.
5 min read