A finance lender is a company that provides lending services to individuals who are unable to borrow from traditional banks or other lenders. They help individuals get loans arranged pursuant to certain guidelines that they must follow. Licensing and regulation for these entities are governed by the Federal Trade Commission (FTC). Finance lenders serve a unique niche for borrowers in this space and require a finance lender's license to conduct business. The Federal Trade Commission (FTC) is responsible for regulating these companies. This includes ensuring that they comply with federal laws and regulations, as well as maintaining an up-to-date public listing with information about them.