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Free Trial Offer

Build Custom Auto Compliance Reports

Winnow covers compliance for the full lifecycle of auto financing, including Direct (Loans), RISC, and Leases, categorized with over 300 individual topics!

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Automated Auto Lending Compliance Tracking

Winnow saves you time managing and keeping up with regulatory changes by delivering accurate results tailored to your business, so you can lend and service easily.

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Attorney Intelligence

Each requirement has been scrutinized by a team of research attorneys to verify their accuracy and applicability.

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Tailored to You

Only see results applying to your unique combination of loan products, licenses held, and jurisdictions.

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Save Time

Get targeted compliance results in minutes instead of hours. Receive automated weekly notifications of changes.

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Save Money

Reduce costly legal fees with the in-depth expertise and analysis of content curated by a team of legal experts.

Get a 14-Day Free Trial + We’ll Beat Your Current Auto Compliance Subscription by 10%!*

What Does Winnow Cover?

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Direct (Loans)

Full lifecycle coverage from origination to servicing, and everything in between.

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RISC

Coverage for Retail Installment Sales Contracts (RISC) flexible payments.

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Leases

Compliance guidance for vehicle leasing requirements in every jurisdiction.

What Criteria Are Available?

Winnow provides several criteria to achieve highly customized results.

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Loan Phase / Subject Matter

Define the general scope of your survey by choosing from a relevant Loan Phase like Origination, Servicing, or Marketing / Advertising. You also have the option to build by Subject Matter like Privacy & Cybersecurity, Military Servicemember, or Debt Collection.

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Topic / Category Applicability

Each requirement is tagged with the specific subject matter of the requirement, such as usury, credit report appraisal, or account statements. Each one of these over 300 Topics is organized into general categories applicable to the topic, like Disclosures, Fees, Record Retention, and more.

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Jurisdiction

Build surveys that encompass all 50 U.S. states, and the District of Columbia, or target just the few that you operate in. Federal coverage is also available.

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Entity Type & Licenses

Target your results based on institution types, like National Bank, State Bank, Credit Union, or Non-Bank / Non-Entity. Add the specific state licenses you hold to return requirements that expressly apply to your business.

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Product-Specific Criteria

Choose from criteria that apply to the product type you’ve chosen. For example, if you’re building an Auto survey, you’ll see options to narrow by Loan Amount, Loan To Value, Alternative / Specialty Products, and more.

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And More…

There are plenty of non-product-specific criteria that can be applied to your surveys. Add values like Open / Closed End, Fixed / Adjustable Rate, define ranges for Loan Amount and Loan To Value, or Alternative / Specialty Products.

Get a 14-Day Free Trial + We’ll Beat Your Current Auto Compliance Subscription by 10%!*

See What People Are Saying

  • "Winnow serves as a powerful resource for tracking compliance changes at all levels."

    Phillip McCall
    President and Chief Operating Officer, ACES Quality Management

  • "Winnow can help your team better manage compliance risks and increase efficiency."

    Pete Mills
    Senior VP of Residential Policy and Strategic Industry Engagement, MBA

  • "Winnow's innovative approach to compliance continues to impress."

    Greg Palmer
    VP of Strategy, Finovate

  • "The platform is intuitive, and the onboarding process was incredibly simple.

    Justin Wiseman
    Associate VP & Managing Regulatory Counsel, MBA

  • "We believe Winnow will help our members mitigate compliance risk and reduce costs."

    Joey Pizzolato
    Editor, Auto Finance News

  • "Information is available in minutes compared to hours or even days of research."

    April H.
    Manager, Mortgage Subservicing Compliance

Trusted by Companies of All Sizes

Start Your Free Two-Week Trial

Try Winnow risk-free to see how it can reduce your compliance costs.

FAQs

  • Winnow ® is a database-driven, RegTech platform that provides subscribers with accurate topic-driven surveys and automated compliance change management.

    Winnow catalogs individual state and federal law requirements maintained by an experienced team of specialized attorneys and professionals. Winnow subscribers build highly tailored compliance surveys unique to their business type, licensing, financial products, and jurisdictions.

  • The short answer is, yes. In fact, it’s the best way to get the most value out of Winnow. For customers who don’t need every lending product Winnow offers, don’t worry. You can create your own a-la-carte Winnow subscription that applies to your unique business needs. Reach out to our friendly sales team for more information.

  • Winnow offers several stand-alone product subscriptions in addition to lending products. These include Bank Deposits and Privacy & Cybersecurity.