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- Trusted since 1987
- 39+ years
- FFIEC compliant
RATA Associates helps financial institutions comply with the CFPB's Section 1071 small business lending data collection rule. RATA Associates does not offer SBA loans, and Section 1071 is a CFPB reporting requirement, not an SBA loan program.
Be Section 1071 Ready Before the Deadline
RATA Associates has built compliance software since 1987, applying that 39-year track record to Section 1071 the same way it does to HMDA and CRA: automated data collection and CFPB-aligned edit checks rather than a spreadsheet built in-house.
Worth checking before you buy anything: the CFPB’s reconsideration final rule of 1 May 2026 raised the coverage threshold from 100 to 1,000 covered originations in each of two consecutive years — a tenfold increase — and lowered the small business definition to $1 million in gross annual revenue, with a single compliance date of 1 January 2028. A lot of institutions that geared up under the old threshold are no longer covered, so the demo starts with whether you are in scope at all.
If you are covered, 1071 needs a census tract for the borrower address exactly as HMDA does, which is why the same Compliance-grade geocoding sits behind it — 95%+ accuracy on tract assignment, and a published method for how that is measured.
Streamline your journey to compliance with the regulation using Comply SBL (1071). Our comprehensive software offers the tools you need to collect, analyze, and report data effortlessly. Say goodbye to regulatory complexities and hello to a smoother compliance process.
Request a free demo today to see Comply SBL (1071) in action.
Not sure the rule still reaches you? The May 2026 reconsideration raised the threshold to 1,000 originations and moved the compliance date to January 1, 2028 — check your Section 1071 coverage before you plan around an older date, or read what actually counts as a small business loan under the current rule.
- Effortless Compliance: Simplify small business lending data reporting.
- Streamlined Data Management: Collect, analyze, and report with ease.
- Expert Support: Get the guidance you need for compliance success.
- Stay Ahead of Deadlines: Prepare for future compliance requirements.
- Seamless Integration: Integrate Comply SBL (1071) into your workflow.
Ready to see Comply SBL (1071)?
A specialist walks you through it on RATA sample data, thirty to forty-five minutes, whenever suits you. Nothing to prepare.
Schedule Demo or call (407) 831-7282
What our clients say
Would highly recommend both the product and the personnel!! Being able to accomplish what I did in such a short period of time is a testimonial to the product's user friendliness as well as the support I received from the great folks at RATA. Could not have done it without them!!!
Judy A. Edwards
Greer State Bank
RATA provides the tools and resources to assist with lending pattern analysis for fair lending and CRA to maintain appropriate monitoring and reporting. The staff at RATA are helpful and will provide assistance quickly when needed.
Margaret Dolinger
TCA
The folks at RATA were outstanding. Every time I had a question, I would speak to someone who either knew the answer immediately or could provide the answer within a very short period of time. Everyone I spoke with knew their product, industry and was willing to do whatever it took to help us solve our problem. I would highly recommend RATA and COMPLY to anyone who is considering this company and product.
Scott Shie
River Funding Corporation
