Compliance & Security

Regulatory Framework

MCAF operates in full compliance with applicable federal and state laws governing commercial financing and merchant cash advances. Our operations are structured to meet or exceed all regulatory requirements for transparency, disclosure, and consumer protection.

Data Security Standards

We implement comprehensive security measures including:

• 256-bit AES encryption for data at rest and TLS 1.3 for data in transit
• Multi-factor authentication and role-based access controls
• Regular security audits and penetration testing
• SOC 2 Type II compliance and annual security assessments
• Continuous monitoring and threat detection systems
• Secure backup and disaster recovery procedures

AI Ethics and Fairness

Our AI-powered underwriting system is designed with fairness and transparency as core principles. We regularly audit our algorithms to ensure they make unbiased decisions based solely on objective business metrics, without discrimination based on protected characteristics.

Anti-Money Laundering (AML)

MCAF maintains a comprehensive AML program that includes customer identification, transaction monitoring, and suspicious activity reporting in accordance with the Bank Secrecy Act and USA PATRIOT Act requirements.

Know Your Customer (KYC)

We verify the identity of all business owners and conduct appropriate due diligence to prevent fraud and ensure the legitimacy of all funded businesses. This includes verification of business registration, ownership structure, and beneficial ownership.

Responsible Funding Practices

MCAF is committed to responsible financing practices:

• Clear and complete disclosure of all terms and costs
• Assessment of repayment ability before approval
• No hidden fees or surprise charges
• Transparent communication throughout the funding process
• Fair collection practices and customer support

Third-Party Audits

Our compliance and security programs are regularly reviewed by independent third-party auditors to ensure we maintain the highest standards and stay current with evolving regulatory requirements.

Reporting and Transparency

We maintain detailed records and reporting systems to ensure full transparency with regulatory authorities and provide clear documentation to our clients regarding all funding arrangements.

Questions or Concerns

If you have questions about our compliance practices or wish to report a concern, please contact our Compliance Officer at compliance@mcaf.com or call 863-225-MCAF (6223).