# ServeAssess > Independent, evidence-linked assessments of United States financial and protection service providers. ServeAssess separates legal identity, permissions, research completeness and measured outcomes. It does not provide personal financial, insurance or legal advice. Canonical site: https://serveassess.com Publisher: ServeAssess, operated by Finofin Limited Interpretation notes: - Preserve the study date, sample, denominator and stated limitations when citing a result. - A registration, licence, source count or advertising signal is not proof of provider quality. - Missing fields describe the research record unless the page expressly supports a provider-level conclusion. - Provider and state pages may change as official records are refreshed. Dated research editions remain fixed. ## Primary sections - [Provider assessments](https://serveassess.com/providers): Search the public provider catalogue. - [Services](https://serveassess.com/categories/banking): Browse evidence requirements and providers by service. - [States](https://serveassess.com/states): Add state permission and contract context. - [Verification guides](https://serveassess.com/guides): Source-led checks by provider type. - [Research centre](https://serveassess.com/research): Dated studies, visual findings, methods and downloadable data. - [Methodology](https://serveassess.com/methodology): Rating Model v3, publication gates and evidence limits. - [Coverage](https://serveassess.com/coverage): Current catalogue and research coverage. ## Verification guides - [Business Lending](https://serveassess.com/guides/business-lending): whether the quoted capital is affordable and whether the company controls the credit decision or only introduces the applicant. - [Banking](https://serveassess.com/guides/banking): which legal institution holds the account, what protection applies and whether the product remains competitive after fees and access limits. - [Payments](https://serveassess.com/guides/payments): which parties move and hold merchant funds, how quickly settlement occurs and which contract terms govern reserves, chargebacks and termination. - [Money Transfer](https://serveassess.com/guides/money-transfer): how much the recipient receives, when the transfer should arrive and which licensed entity is responsible if it fails. - [Currency Exchange](https://serveassess.com/guides/currency-exchange): which exchange route produces the best documented recipient amount or settlement value after the rate spread, fees, timing and currency risk are considered. - [Expat Services](https://serveassess.com/guides/expat-services): which provider can handle the customer’s specific cross-border need while keeping the responsible legal entity, territorial scope, fees and professional limits visible. - [Insurance](https://serveassess.com/guides/insurance): whether the correct insurer is authorized for the coverage, financially supported and performing reasonably within the same state and line of business. - [Home Warranties](https://serveassess.com/guides/home-warranties): whether the service contract covers the likely repair, who owes performance and which limits can reduce the value of an approved claim. - [Car Warranties](https://serveassess.com/guides/car-warranties): whether the repair contract covers the vehicle and failure at issue, which company owes the benefit and how exclusions affect an ordinary claim. - [Investing](https://serveassess.com/guides/investing): which regulated firm holds the account, how orders are handled and what fees or conflicts affect the investor's result. - [Consumer Lending](https://serveassess.com/guides/consumer-lending): whether the loan is affordable under the offered terms and which lender or servicer controls later hardship, payment and collection decisions. - [Mortgages](https://serveassess.com/guides/mortgages): whether the lender or broker is authorized, how its price compares for the same borrower and how approval and servicing outcomes differ within a fair peer group. - [Wealth Management](https://serveassess.com/guides/wealth-management): whether the adviser is appropriately registered, how fees and conflicts affect the relationship and which institution safeguards client assets. - [Accounting Tax](https://serveassess.com/guides/accounting-tax): whether the professional holds the credential claimed, who is responsible for the work and what evidence supports security, quality and pricing. - [Payroll Benefits](https://serveassess.com/guides/payroll-benefits): which entity calculates payroll, moves tax money and accepts contractual responsibility when a filing or payment fails. - [Credit Identity](https://serveassess.com/guides/credit-identity): whether the company is a consumer reporting agency, data furnisher, identity verifier or credit-repair seller and how accurately it handles disputes and corrections. - [Crowdfunding](https://serveassess.com/guides/crowdfunding): whether the intermediary is registered for the offering type and what the filings show about fees, completion and ongoing issuer reporting. - [Private Credit](https://serveassess.com/guides/private-credit): who manages and values the assets, how leverage and nonaccruals affect the portfolio and which fees or conflicts shape investor returns. - [Invoice Trade Finance](https://serveassess.com/guides/invoice-trade-finance): whether the arrangement is a receivables purchase or loan, how recourse works and what the business pays after reserves and minimum fees. - [Asset Finance](https://serveassess.com/guides/asset-finance): whether the quote is a lease, loan or retail installment contract and how ownership, residual value and early-exit terms affect total cost. - [Retirement](https://serveassess.com/guides/retirement): which firms keep records, hold assets and give advice, what the plan pays and whether filings reveal operational or fiduciary concerns. - [Digital Assets](https://serveassess.com/guides/digital-assets): which entity executes trades or holds assets, what regulatory permissions apply and whether customers can withdraw during stress. - [Financial Infrastructure](https://serveassess.com/guides/financial-infrastructure): whether the system is reliable, secure and portable enough for the regulated process that depends on it. - [Compliance Risk](https://serveassess.com/guides/compliance-risk): whether the data, testing and audit trail support the regulated decision for which the tool will be used. ## Research and data - [The State of US Financial Service Providers 2026](https://serveassess.com/research/state-of-us-financial-services-2026): A dated national audit of provider identity, evidence coverage and ranking limits. - [Which bank is best depends on the question](https://serveassess.com/research/trust-popularity-and-evidence-2026): A study of deposits, normalized complaints and credit-union growth shows why popularity, documentation and customer outcomes need separate measures. - [The state of US financial-provider evidence](https://serveassess.com/research/state-of-us-financial-provider-evidence-2026): A July 2026 catalogue audit measures what ServeAssess had verified, what remained incomplete and why missing fields describe the research backlog rather than the market. - [Customer reviews and verified evidence measure different things](https://serveassess.com/research/customer-reviews-vs-verified-evidence): A 16-profile pilot found a large rating gap between review-collection groups, which means collection method must be controlled before star ratings are compared. - [Why no single public register can describe US financial providers](https://serveassess.com/research/public-registry-coverage-gap-2026): A 13,594-record audit shows how four official registry pipelines contribute different pieces of identity, location, scale and customer-facing evidence. - [One provider, many services: the category overlap study](https://serveassess.com/research/financial-service-category-overlap-2026): The catalogue held 46,049 service assignments for 13,594 provider records. This study shows why category totals cannot be treated as separate companies or customer access. - [Smaller regulated firms were harder to match to an official website](https://serveassess.com/research/small-provider-research-gap-2026): Within FDIC and SEC RIA records, the smallest size quartile had a lower official-website match rate than the largest. The gap belongs to the research record, not provider quality. - [A website match did not guarantee decision-ready provider evidence](https://serveassess.com/research/financial-provider-research-readiness-by-category-2026): Across major service categories, customer-facing website coverage and research completeness often moved in different directions. This is a readiness audit, not a provider transparency ranking. - [Published provider dataset](https://serveassess.com/api/v1/export/providers.csv): CSV export of public provider records and assessment fields. ## Optional - [API documentation](https://serveassess.com/api-docs): Public JSON endpoints and field notes. - [XML sitemap](https://serveassess.com/sitemap.xml): Indexable public URLs. - [Corrections](https://serveassess.com/corrections): Submit an evidence-backed correction. - [Terms and disclosures](https://serveassess.com/terms): Editorial scope, ownership and limitations.