Juno Platform · US & UK

Consumer lending, in the US and the UK.

Juno is one platform with two editions. In the US it runs state-licensed installment lending, with every state’s rules sitting on top of federal law. In the UK it runs consumer lending and consumer asset-based finance under the Consumer Credit Act. Both share the same core, so the audit trail, documents, security and private AI work the same way on either side of the Atlantic.

Choose your market

For state-licensed lenders making small-dollar installment loans. Each state’s rate and fee limits sit in a rules engine on top of federal law. The APR is calculated the way Reg Z requires, a loan can’t be originated until its TILA disclosure has gone out, and borrowers repay by ACH or payroll deduction. Reg B notices, MLA and SCRA checks and Reg F collection limits are part of the same system.

Why US lenders run on Juno

Every state in one rules engine
State rules carry effective dates and sit on top of the federal rules. Rate caps, fee caps, minimum terms and rebate limits are worked out for each loan across 53 jurisdictions, and every answer shows the rule and statute it came from.
Disclosure before disbursement
The APR is calculated with the Reg Z Appendix J method and the TILA disclosure goes out before the loan exists. Juno won’t originate a loan until a matching disclosure has been delivered through an E-SIGN consent step.
Collections inside the rules
Reg F limits on how often and when you call, state caps on late fees, validation notices and the CFPB limit of two failed payment attempts are all enforced by the system itself.

Who runs on it

State-Licensed LendersOnline Installment LendersEmployer-Linked LendersBranch Installment LendersConsumer Finance Companies

Federal rules it applies

TILA · Reg ZECOA · Reg BMLASCRAReg EFDCPA · Reg FCFPB Payment RuleE-SIGNNACHA

At a glance

Jurisdictions 50 states · DC · PR
Loan products Small-dollar installment
Repayment rails ACH · payroll deduction
Federal coverage Reg Z · Reg B · MLA · Reg F

Twelve connected modules

State Rules Engine
Rules with effective dates for all 50 states, DC and Puerto Rico, layered over federal law: APR and contract-rate caps, fee caps, minimum terms and rebate restrictions. Overlapping rules are rejected.
53 Jurisdictions
Products & Pricing
Pricing starts with the fees and the APR is derived using Appendix J. Choose simple or precomputed interest, and Rule of 78, actuarial or pro-rata rebates where state law permits them.
Reg Z Appendix J
Origination & Underwriting
Applications carry employment and income verification, bureau inquiry records with their permissible purpose, and a military-status check. Every approve, refer, decline or withdraw decision is recorded.
Evidence-Led
Adverse Action
Decline reasons come from the Reg B model list. The adverse action notice is written in the same transaction as the decline and then kept in a searchable register.
ECOA · Reg B
Borrowers & Employers
US addresses with ZIP+4. The full SSN is never stored, only the last four digits, a keyed hash and an AES-256-GCM encrypted copy. Employers carry their payroll calendars.
SSN Protection
Loan Ledger
Posting, allocation and reversal work against obligations rather than a fixed schedule. Disbursements, fees, payments and write-offs can each be traced to the rule that allowed them.
Obligation-Based
ACH & Payroll Payments
Bank accounts, Reg E authorizations and revocations, NACHA file generation, handling for 13 ACH return codes, and employer payroll remittances posted to the ledger.
NACHA · Reg E
Loan Servicing
Payoff quotes are calculated two independent ways and have to agree. Forbearance, deferral, refinancing and daily interest accrual are handled here too.
Payoff · Forbearance
Military Lending
MAPR is checked against the 36% MLA cap, payroll-allotment products are blocked for covered borrowers, and the SCRA 6% cap re-amortizes the loan automatically.
MLA · SCRA
Collections
Delinquency is calculated in a way that is safe to re-run. Late fees respect state caps, and the Reg F seven-calls-in-seven-days limit, time and place rules and validation notices are built in.
FDCPA · Reg F
Compliance Documents
Approved, versioned and dated wording is assembled into TILA disclosures, loan agreements and notices, frozen with a SHA-256 manifest and delivered after E-SIGN consent.
TILA · E-SIGN
Audit & Security
Single sign-on, role-based access, an audit copy with triggers on every business table, soft delete only and a full application log.
Audit-Native

The life of a loan

01 Product Configured Fees & state rules
02 Borrower Created SSN protected
03 Loan Priced Appendix J APR
04 Application Submitted Employer-linked
05 Evidence Recorded MLA · income · credit
06 Decision Made Reg B notice on decline
07 TILA Delivered E-SIGN gate
08 Loan Originated Disclosure matched
09 Payments Authorized Reg E · ACH · payroll
10 Payments Posted NACHA · remittances
11 Collections Run Reg F limits
12 Paid Off Rebate applied

From discovery to live lending in 2–3 months

01
Weeks 1–2
Discovery & State Mapping
We go through your licensed states, products, fee structures, repayment methods and disclosure wording with your credit, operations and compliance teams.
02
Weeks 3–7
Configuration & Migration
Products, state rules and documents are configured and reviewed with your counsel. Borrowers, employers and loans are migrated, and ACH and payroll flows are set up alongside.
03
Weeks 8–12
Parallel Run & Validation
Live loans run in Juno and in your current system at the same time. APRs, payoffs, ledgers and collections are reconciled until you are ready to switch.
04
Ongoing
Live Lending & Evolution
The same team stays with you afterwards, adding new states, products and rule changes through configuration.
One core, two rulebooks
Both editions are built on the same foundations as Athena and share more than 1,400 components, from the document engines to identity, the data layer and the design system. Every table keeps a full audit history, nothing is ever hard-deleted, and every user action is logged. Pricing, the ledger and collections are written for each market’s law, and in the US, Social Security numbers are encrypted and never stored in plain text.
Bring a real deal to the demo, a loan in one of your states or a UK agreement, and we’ll take it from quote to settlement while you watch.
Book a Live Demo Talk to our team →

Time to move off your legacy systems?

We’ll set up a demo around your own workflows and data, and walk you through it ourselves.

Book a Live Demo → Email Sales Team