Licensing & Compliance — Rise Up Lending NMLS

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Licensed States NMLS Disclosure Equal Credit Opportunity Fair Credit Reporting Truth in Lending Representative APR Example State-Specific Disclosures

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Licensed States

Rise Up Lending, LLC (NMLS #XXXXXXX) holds consumer lending licenses in 48 U.S. states. We are NOT currently licensed in: Iowa (IA) and West Virginia (WV). Residents of unlicensed states are not eligible for Rise Up Lending products.

NMLS Disclosure

Rise Up Lending, LLC | NMLS ID #XXXXXXX | To verify our licensing, visit the NMLS Consumer Access website at nmlsconsumeraccess.org and search by company name or NMLS ID.

Equal Credit Opportunity

Rise Up Lending complies with the Equal Credit Opportunity Act (ECOA). We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Fair Credit Reporting

We use consumer credit reports from Equifax, Experian, and TransUnion in our underwriting process. You have rights under the Fair Credit Reporting Act. If your application is denied based on your credit report, you have the right to receive a free copy of the report used and to dispute inaccurate information.

Truth in Lending

All loan offers include a Truth in Lending Act (TILA) disclosure showing APR, finance charge, amount financed, and total of payments — before you sign. Actual rate depends on your credit profile and loan terms.

Representative APR Example

$10,000 personal loan at 18.9% APR over 36 months: Monthly payment = $363.34 | Total interest paid = $3,080.24 | Total repayment = $13,080.24. This is a representative example; your actual terms depend on creditworthiness.

State-Specific Disclosures

California residents: Loans made pursuant to California Finance Lenders Law, License #XXXXXXXX. New York residents: Licensed Lender #XXXXXXXX. Texas residents: Supervised by the Office of Consumer Credit Commissioner. Additional state disclosures available upon request.

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Licensed States & Regulatory Framework

Rise Up Lending holds active consumer lending licenses in 48 U.S. states. Residents of Iowa and West Virginia are not currently eligible. All lending activity complies with applicable state usury laws, disclosure requirements, and consumer protection regulations. State-specific APR caps and fee limits apply where mandated by law.

Licensed in these 48 states

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Strikethrough = not currently licensed.

Federal laws governing our lending include the Truth in Lending Act (TILA — Reg Z), Equal Credit Opportunity Act (ECOA — Reg B), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and the Military Lending Act (MLA). Eligible active-duty servicemembers and their dependents receive a maximum 36% MAPR under the MLA.