# Lend
source: https://developer.mastercard.com/open-finance-us/documentation/products/lend/index.md

Mastercard Open Finance's Lend products offer premium API services that provide access to data and reports, enabling improved credit decisioning and financial information verification for consumer use cases. These products are powered by customer-permissioned data - such as bank and payroll account information - shared through [Mastercard Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md).

The Lend products support a wide range of use cases, including mortgage lending, personal loans, credit card issuance, auto lending, tenant screening, and more.

Finicity, a Mastercard company, is a registered Consumer Reporting Agency (CRA) within Mastercard. Our products comply with the requirements of the Fair Credit Reporting Act (FCRA).

## Contents {#contents}

* [Products Overview](https://developer.mastercard.com/open-finance-us/documentation/products/lend/product-solutions/index.md) --- introduction to Lend products.
* [Generating Reports](https://developer.mastercard.com/open-finance-us/documentation/products/lend/generating-reports/index.md) --- how to generate Lend reports.
* [Getting Reports](https://developer.mastercard.com/open-finance-us/documentation/products/lend/get-reports/index.md) --- how to list, retrieve and reissue reports.
* [Reports List](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/index.md) --- full details of all Lend reports with implementation and testing notes.
* [Permissible Purpose Codes](https://developer.mastercard.com/open-finance-us/documentation/products/lend/permissible-purpose-codes/index.md) --- required FCRA purpose codes and when to supply them.
* [Mortgage Implementation](https://developer.mastercard.com/open-finance-us/documentation/products/lend/mortgage-implementation/index.md) --- mortgage-specific guidance, including sending reports to Fannie Mae/Freddie Mac.

## Product Delivery {#product-delivery}

There are three ways you can use Lend products:

* **Direct API Integration** -- you can build your own integration
  to our APIs using this documentation. You can be assigned a
  Technical Solution Engineer to help you during your
  implementation project.

* **Existing Ecosystem Platform** -- Lend integrates with many
  existing lending platforms. Check with your Account Executive
  to confirm if Lend supports the platform you use. There are
  basic steps needed to enable our products in these platforms.
  We also provide training resources and user guides for our
  largest platform partners:

  * [MVS Encompass](https://www.finicity.com/mvs-encompass-training-resources/)
  * [MVS Simple Nexus](https://www.finicity.com/mvs-simplenexus-training-resources/)   

* **Mastercard Order Reports** -- a tool within the
  Mastercard Open Finance
  [Client Hub](https://developer.mastercard.com/open-finance-us/documentation/client-hub-guide/index.md)
  that enables you to order and view reports by sending Data
  Connect emails to consumers. See
  [Order Reports](https://developer.mastercard.com/open-finance-us/documentation/client-hub-guide/order-reports/index.md)
  for details.

## See Also {#see-also}

* [Small Business](https://developer.mastercard.com/open-finance-us/documentation/products/small-business/index.md) --- includes products to enable small business lending
* [Tenant Screening Tutorial](https://developer.mastercard.com/open-finance-us/documentation/tutorials/tenant-screening/index.md) --- how to use Lend reports to verify income, assets and rental payment history for a prospective tenant