When our fintech company decided to expand into the European consumer finance market, securing a CCD license was a major milestone we needed to achieve. We knew that compliance, documentation, and regulatory communication would define our success — but navigating these requirements alone felt overwhelming. That’s when we chose to work with ECOVIS, and their support transformed the entire process.

From the very first consultation, the ECOVIS team stood out for their deep understanding of Consumer Credit Directive (CCD) regulations. Rather than offering standard templates or generic checklists, they took time to learn about our business model, credit products, risk policies, and operational setup. With this insight, they crafted a tailored licensing strategy designed specifically for our company.

One of the most challenging parts of the licensing journey was preparing comprehensive documentation that met regulatory expectations. ECOVIS guided us step by step — helping draft compliant governance procedures, risk management frameworks, AML/KYC policies, consumer protection plans, and more. Their meticulous review process ensured that everything we submitted was clear, consistent, and aligned with regulatory standards.

Communication with supervisory authorities is often where many applicants struggle, but ECOVIS handled this smoothly on our behalf. Whenever regulators requested clarifications or additional information, their team prepared precise, professional responses — keeping the application process on track and free from unnecessary delays. Their proactive approach made the experience significantly less stressful for us.

Another aspect we appreciated was their honest, realistic timeline guidance. Instead of vague promises, ECOVIS provided a clear roadmap and kept us updated at every stage. This transparency helped us plan internal operations, stakeholder communication, and market rollout with confidence.

Thanks to their expert support, we successfully secured our CCD license without complications. The entire process — from initial assessment to final approval — was well‑organized, professional, and efficient.

If your company is planning to apply for a

CCD license in Europe, I highly recommend ECOVIS based on our firsthand experience. You can explore their professional licensing support here: https://ecovis.lt/fintech/consumer-credit-provider/

Partnering with experienced advisors like ECOVIS doesn’t just make the licensing process manageable — it positions your business for long‑term success in a competitive market.