Last checked: 7 October 2026. Written for companies, not consumers.
Lenders, brokers, servicers and finance firms run on customer information that federal law protects. That rules out most of what sits in a loan file. It does not rule out the way your firm works: the procedures, checklists and approvals that move a file from application to closing.
Financial work is rule-heavy, document-heavy and full of exceptions. That makes a well-run firm’s procedures a clear record of expert judgment.
micro1 names “Finance & accounting” as one of its example categories and describes it as “Financial processes, SOPs, reconciliations, approvals, reporting workflows, and operational documentation.” Under “Legal & contracts” it lists compliance procedures. Its page also says “Operational data from every industry can contribute” (as published, checked 7 October 2026). Grepped, in its program for individual professionals, lists financial analysts (“Models, memos, forecasts”) and insurance adjusters (“Claims, underwriting, appeals”) among the experts it pays.
None of those descriptions asks for customer accounts. They describe how the work gets done. In a mortgage shop, that is the route a file takes: who reviews what, which conditions come back, how an exception gets approved, what the closing team checks the day before funding. In a wealth or lending firm, it is the monthly reconciliation, the approval chain for a credit decision and the compliance review that follows.
Practitioners say raw data is the cheapest tier and that evaluations built from it are worth roughly ten times more. A documented sequence of decisions, with the reason for each, is the kind of material that can become a test. A pile of statements is not, and it carries most of the legal risk.
Underwriting checklists, condition categories, and the internal notes on how each kind of condition is usually resolved, written without borrower details.
Pre-closing checklists, title and settlement handoffs, and the steps your team follows when a date slips.
Month-end close procedures, approval chains and the escalation rules for breaks and exceptions.
Policy manuals your firm wrote, quality-control review procedures and vendor-management checklists.
Be blunt with yourself here. For a financial firm, the customer side of the business is largely excluded, and the operational side has to be cleaned first.
| Risk in a financial firm’s data | Mitigation to discuss with counsel and the buyer |
|---|---|
| Borrower details buried in free-text notes and chat | Exclude customer-facing channels entirely; scan internal ones; agree audit rights over the de-identified copy. |
| Your privacy notice did not mention this use | Have counsel read the notice against the proposed scope before any sample leaves. |
| Investor or vendor material inside your SOPs | Separate your own text from licensed guides; send only what you own. |
| A consent warranty you cannot back up | Narrow the representation in the agreement to what is true; cap and time-limit any indemnity. |
| Record-retention duties on originals | Confirm the deal touches only a copy; originals stay under your retention schedule. |
No program publishes a separate rule for financial services. The general headcount, record and country rules apply.
| Program | Published company payout | Published eligibility | What it means for finance firms |
|---|---|---|---|
| micro1 Enterprise Data Partnership | “$100k+ qualified”, “$500k+ large-scale”, “$1M+ highly unique” | 30+ employees, mature operations, documented processes, modern software tools, primarily English; U.S. prioritized, then other Western markets | Lists finance and accounting processes and compliance procedures among its examples. |
| Mode company data | “$100K to $5M” | 20+ full-time U.S. office employees; several years of records the company owns; U.S.-based teams strongest fit | Most finance staff are office staff, so the headcount test is usually simple. |
| Grepped | “$20K to $5M” | Any vertical; also pays individual professionals for expertise | Lists financial analysts and insurance adjusters among the experts it seeks. |
Last checked 7 October 2026. Sources: each program’s own website (micro1 data partnerships page, data.mode.inc, grepped.ai). Figures are published ranges, not offers. Miro Advisory also publishes indicative ranges for operating datasets ($100K to $1M+); it has no button here.
Independent site. Some links are referral links: if your company signs with a buyer through them, the buyer may pay us a fee. You are not charged, and we never see your data.
The Gramm-Leach-Bliley Act (GLBA) is the federal law most financial firms will hear about first. Its privacy rule governs when a financial institution may disclose customers’ nonpublic personal information to nonaffiliated third parties, and what notice and opt-out duties come with that. Its safeguards rule requires a security program for customer information. An AI data buyer is a nonaffiliated third party. That is why customer data is mostly off the table on this page.
General information, not legal advice. Talk to your own lawyer before you sign.
The point of a written scope is to make the exclusions visible before anyone discusses money. This one carries no price, because a buyer sets any price only after review.
Size decides which published minimum you meet. The type of firm decides how much is left once customer information is taken out. These three walkthroughs show both, with no prices.
An independent broker with 15 office staff. That is below Mode’s published 20+ office-employee minimum and micro1’s 30+ (as published, checked 7 October 2026). Grepped says it accepts any vertical and also pays individual professionals. Even if a program accepted it, little would remain: most of a broker’s records are borrower files. What survives is a short list of intake SOPs, lender-submission checklists and training notes.
A commercial lines agency with 55 office staff, so it clears both published floors. Its policyholder files carry personal and business information and stay out. What may remain is process: renewal workflows, submission-quality checklists, internal service tickets with client fields stripped, and staff training material. Carrier manuals and underwriting guides belong to the carriers, so they stay out too.
A lender and servicer with 300 staff. It clears every published size line, and it also has the most exposure: payment histories, hardship files and borrower calls. Those are excluded. A scope could still cover default-operations SOPs, internal QC procedures, a decade of process tickets with loan numbers removed, and policy change histories. Investor, servicer and vendor contracts are read before anything is scoped.
List every record type before you talk to a buyer. In this industry the off-limits column is long. The includable column is still worth writing down.
| Record type | Typical system | Usually includable? | Why |
|---|---|---|---|
| Policies, procedures and SOPs you wrote | SharePoint, Google Drive, Confluence | Usually yes | Your own process documents, with little or no customer information. |
| Checklists and stacking orders (blank) | SharePoint, loan origination system templates | Usually yes | They show the steps without anyone’s file attached. |
| Internal process tickets | Jira, ServiceNow, Asana | Possibly, after scrubbing | Loan numbers, names and addresses often sit in titles and comments. |
| Pipeline stage history | Salesforce, HubSpot | Possibly, metadata only | Stage timing can show the workflow once every customer field is removed. |
| Month-end close and reconciliation procedures | QuickBooks, NetSuite, Xero | Procedures yes; ledgers rarely | Procedures describe work; ledgers carry customer and account data. |
| Internal staff chat about process | Microsoft Teams, Slack | Selected channels after review | Staff paste account details into chat; every channel needs checking. |
| Loan files, applications, credit reports | Loan origination system, document storage | No | Nonpublic personal information, the core of GLBA concerns. |
| Bank statements, tax returns, pay stubs | Document storage, email attachments | No | Customer financial data collected for one purpose. |
| Recorded customer calls | Zoom, phone system | No | Customer voices and details, plus recording-consent questions. |
| Investor and agency guides, vendor manuals | Downloaded PDFs, vendor portals | No | You do not own them, and their terms usually limit reuse. |
| Regulatory exam correspondence | Email, secure portals | No | Often confidential by rule or agreement; ask counsel before treating it as yours. |
General guidance on typical records, not a legal classification. Your counsel decides what counts as nonpublic personal information in your firm.
A regulated firm should be able to answer each question in writing. If you cannot answer one yet, that is the first task, not the application.
Buyer privacy steps happen after the data leaves you. Under GLBA, the disclosure question is yours to answer first.
Borrower and client calls carry voices, account details and consent issues. Transcripts do not remove the problem.
Investor and agency guides, carrier manuals and vendor documentation sit on every shared drive. They are not yours to license.
Account numbers, loan numbers and income figures appear in ticket titles, notes and chat. Structured fields are the easy part.
A clean email thread can carry a bank statement or a credit report as an attachment. Exclude attachments unless each one is reviewed.
A late compliance review can cut the scope after a buyer has priced it. Put compliance on the scope from the first draft.
Generic questions, not claims about any named program. They matter more for financial firms because the downside of a miss is larger.
Almost certainly not as loan files. A loan file is full of nonpublic personal information: income, account numbers, credit reports, Social Security numbers. The Gramm-Leach-Bliley Act (GLBA) limits how financial institutions disclose that kind of information to unaffiliated third parties. What may remain is the process around the file: your SOPs, checklists and the internal steps your team follows, with borrower details removed.
Not by itself. Buyers publish their own privacy steps, such as scrubbing sensitive information or de-identifying before onward delivery. Those steps happen after the data leaves you. Whether you may disclose the data in the first place is your question to answer under GLBA, your privacy notice and your contracts. Ask your lawyer before any sample leaves.
micro1 lists financial processes, SOPs, reconciliations, approvals, reporting workflows and operational documentation among its example categories, and names compliance procedures under legal and contracts (as published, checked 7 October 2026). In a lender or finance firm, that points to how work moves: condition clearing, closing coordination, exception handling and quality control.
Some do. Mode publishes 20+ full-time U.S. office employees for most businesses, and micro1 publishes 30+ employees. Grepped says it accepts any vertical. A 15-person brokerage would fall under the first two published floors. The eligibility checker compares your numbers with each rule.
Treat them as out of scope. Recorded calls carry customer voices, account details and recording-consent questions, and turning them into transcripts does not remove the customer information. Internal calls among staff about process are a separate question for your lawyer.
No. Agency and investor guides, carrier manuals and vendor documentation are owned by others, and their terms usually limit reuse. Only documents your firm wrote and owns belong in a scope. Your own procedures that refer to those guides can usually be reviewed separately.
If no customer information is in scope, the main question is staff notice, not customer notice. If any customer-derived data is in scope, ask your lawyer what your GLBA privacy notice permits and whether anything must change first. This is general information, not legal advice.
Expect it to take longer than the headline numbers suggest. Mode publishes that it generally expects about three months from the first conversation through payment, and practitioners cite 60 to 90 days to close. A compliance review of the scope on your side adds time, and it should.
The checker runs in your browser and saves nothing. It shows each program’s published rule next to your numbers, with a separate note for confidential or regulated records.