Multi-State Disclosure Compliance Automation for MCA Transactions.
California, Connecticut, Florida, Georgia, Kansas, Missouri, New York, Texas, Utah, Virginia, and Louisiana have each enacted their own commercial financing disclosure law — and no two are identical. Different transaction-size thresholds, different required disclosure fields (estimated APR, total repayment amount, finance charge), different exemptions for bank-partnered or high-volume originators, and the list keeps growing. Most shops track this state by state in someone's memory or a spreadsheet of rules that's already out of date the moment a new state passes a bill. We build the automation that determines which disclosure applies to a given deal and generates it correctly, every time.
Eleven states — California, Connecticut, Florida, Georgia, Kansas, Louisiana, Missouri, New York, Texas, Utah, and Virginia — have enacted commercial financing disclosure laws, each with its own thresholds, required fields, and exemptions, and the list has continued to grow through 2025 and 2026.
State commercial financing disclosure law tracking, as reported by commercial finance legal counsel — not legal advice, and not a Scaler client result.
A moving 11-state target isn't something a spreadsheet keeps up with.
- 01Each state's law sets its own transaction-size threshold and required disclosure fields — what satisfies California's requirement doesn't necessarily satisfy New York's or Texas's, and a one-size-fits-all disclosure risks non-compliance in whichever state actually applies.
- 02Determining which state's law even governs a transaction isn't always a simple mailing-address lookup — it can turn on where the merchant is located, where the transaction is negotiated, or other jurisdictional factors that vary by statute.
- 03New states keep enacting their own versions (Texas and Louisiana both added sales-based financing disclosure requirements recently), so a compliance process that isn't built to absorb new states is guaranteed to fall behind.
- 04Exemptions differ by law too — some laws exempt high-volume originators or bank-partnered transactions above certain thresholds — and applying the wrong exemption (or missing a real one) creates avoidable risk in either direction.
- 05Manual, spreadsheet-based tracking puts real compliance exposure on whoever remembers to check it before closing each individual deal — a single missed disclosure is a real legal and reputational problem, not a paperwork nitpick.
Live in days, not months.
Map
We map the current disclosure requirements, thresholds, and exemptions across every state you transact in, working from your compliance counsel's guidance.
Build
We build the logic that determines which state's law applies to a given transaction and which disclosure template and fields that requires.
Generate
The correct disclosure generates automatically as part of your deal flow, populated with the transaction's actual terms — not a manual fill-in-the-blank template.
Maintain
We monitor for new state laws and amendments to existing ones and update the logic as the regulatory landscape shifts, so it doesn't quietly go stale.
Every deal gets the right disclosure, in the right state's format, automatically.
- Jurisdiction and applicable law determined consistently for every deal, instead of depending on whoever's closing it to remember the current rules.
- Disclosure documents generated with the correct fields and format for that specific state's requirements, populated from real transaction data.
- Exemption logic applied consistently, so you're neither over-disclosing where an exemption genuinely applies nor under-disclosing where it doesn't.
- A compliance process that absorbs new states as they enact their own laws, instead of needing a manual overhaul every time one does.
- A documented, auditable record of which disclosure was generated for which deal, ready if a regulator or a merchant ever asks.
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Book a free scoping call.
Twenty minutes, no pitch deck. We'll map exactly how this would run for your business and what it'd recover. Prefer to read more first? See our AI automation services.