MedPay /Patient Financing
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Trust & compliance

Consumer credit has rules. We like it that way.

Patient financing sits at the intersection of consumer credit law and healthcare. MedPay is built so that every surface honors both. This page sets out our posture in plain language.

01Credit & disclosure

Where the law lives in the product.

Credit reporting

Pre-qualification runs on soft credit inquiries which do not affect a patient's credit score.

Hard inquiries occur only on the lender's own surface after the patient's explicit consent. If a lender declines an application the lender delivers the required adverse-action notice within the regulatory window.

FCRA · Reg V

Truth in Lending

APR and payment schedule disclosures follow Truth in Lending requirements and are presented on the lender's surface in the lender's disclosure format.

MedPay never paraphrases credit terms on its own screens. Patients always see the lender's numbers before anything is final.

TILA · Reg Z

Fair lending

There is zero protected-class targeting in patient-facing creative. Ever.

Practice-facing outreach may reference clinical verticals but never demographic proxies for protected classes. Fair access to credit is a design constraint not a policy afterthought.

ECOA · Reg B

Health information

MedPay does not receive protected health information. Applications capture financial and identity data. Clinical records stay in the practice management system.

We are not a HIPAA covered entity and our surfaces are designed so clinical information never enters the financing pipeline. Co-branded practice surfaces follow the same rule.

HIPAA-aware by design
02Marketing standards

What you will never see from MedPay.

Overstated financing copy aimed at patients is where this industry gets in trouble. We hold a hard line.

No manufactured urgency
No countdowns. No fake scarcity. No "act now". Urgency pressure in patient financing is a consumer protection risk and we do not run it.
No unsubstantiated claims
Every claim in our marketing resolves to a documented source. Anything we cannot substantiate does not ship.
No "guaranteed approval"
All financing is subject to credit approval by a lender. We never promise approval and we never imply it.
No outcome promises
We do not use patient testimonials about medical outcomes and we do not use before-and-after imagery in financing copy. Financing is separate from clinical care.
Consent-first channels
Email includes a physical address and a working unsubscribe. Text messages are sent only with documented prior express written consent and only within quiet hours.
State-specific disclosures
Where a state requires additional disclosure such as financing surcharge or referral compensation notices our co-branded surfaces carry it.

Standards informed by FTC Act §5 · CAN-SPAM · TCPA · state consumer credit statutes.

03Review before release

Every patient-facing surface is reviewed before it ships.

Claims are checked against a substantiation library. Dark patterns are screened. Copy that minimizes the decision or hides the risk language does not go live.

Claims substantiation

Marketing claims map to a maintained claims library. Numerical claims require a verified data source before publication.

Risk language up front

Disclaimers are part of the body copy not a footer afterthought. "Subject to lender approval" travels with the claim it qualifies.

Dark pattern screening

Patient-facing interfaces are screened for pressure mechanics before release. Pre-selected options and disguised costs are rejected by design.

Documents

The paperwork.

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