How to Simplify CFPB Small Dollar Lending Rule Compliance in 2025
How to Simplify CFPB Small Dollar Lending Rule Compliance in 2025
If you're a short-term or installment lender, you already know the pressure that comes with CFPB compliance — especially under 2025’s Small Dollar Lending Rule. Tracking payment attempts, managing failed transactions and handling revocation notices can quickly become operational headaches.
But what if your loan management system could handle all of that — automatically?
Simplify Compliance with Built-In Automation
EPIC Loan Systems is a powerful LMS designed specifically for small-dollar lenders. With EPIC, you can streamline and automate the most complex parts of Small Dollar Lending Rule compliance. Our platform helps you:
Track consecutive failed payments for ACH and debit cards
Customize thresholds and return codes based on your lending model
Automatically respond to revocation scenarios
Maintain full system logs for audit readiness
No guesswork. No extra overhead. Just a smarter way to manage compliance and keep your business protected.
Proactive, Not Reactive
Instead of chasing compliance after the fact, EPIC lets you:
Define the rules that trigger compliance actions
Decide how the system responds — pause payments, flag accounts, hold processing
Maintain detailed audit trails to show regulators you're in control
Whether you're operating in one state or twenty, EPIC helps you enforce compliance in real-time, without slowing your team down.
Automated Borrower Notifications? Covered.
The CFPB’s Small Dollar Lending Rule also requires lenders to send specific notifications to borrowers — and EPIC has you covered there, too.
The platform comes preloaded with five (5) built-in marketing rules for required borrower notices:
Installment 1st Payment Withdrawal
Installment Due X Days Before Payment Due Date – Payment Amount Different
Installment Due X Days Before Payment Due Date – Payment Due Date Different
Installment Due X Days Before Payment Due Date – Payment Methods Different
Installment Revoke ACH Authorization
To make notifications seamless and personalized, EPIC includes Smart Tags such as:
@@loan.Payments.NextScheduledPaymentBreakdownAmount@@ – Displays the full breakdown of the borrower’s next payment
@@loan.Payments.ConsecutiveReturnsDetails@@ – Summarizes consecutive failed attempts, dates, and any associated fees
Everything is already built — you simply turn it on and tailor it to your process.
Built for Modern Lenders
EPIC supports a wide range of lending models, including:
Whether you're running a high-volume operation or just launching a new lending program, EPIC adapts to your needs while handling the compliance complexity in the background.
Why Lenders Are Switching to EPIC in 2025
Traditional loan management systems weren’t built with CFPB compliance in mind. EPIC was.
By switching to EPIC, lenders can:
Avoid penalties related to failed payment attempts
Stay ahead of regulatory changes
Improve borrower communication and trust
Eliminate manual processes and reduce risk
See EPIC In Action
The Small Dollar Lending Rule isn’t going away — but the stress of managing it can. EPIC Loan Systems makes compliance simple, efficient and scalable.
Ready to see how EPIC can transform your lending operation?
Book a free demo today and discover how easy compliance can be.
