Sex offender screening API for financial services & fintech
Add a sex offender signal from every US registry to KYC, onboarding, and enhanced-due-diligence workflows with one API call — scored, source-tagged, and fast enough to run inline at account opening.
25 free searches, no card. $0.15 a call, no platform fee, no seats, no minimum. No code needed: search from your dashboard, or integrate the full API when you’re ready.
curl https://api.offendersearch.app/v1/search \ -H "X-API-Key: $OFFENDERSEARCH_KEY" \ -H "Content-Type: application/json" \ -d '{"query": {"firstName": "Jordan", "lastName": "Sample", "dob": "1980-04-12", "ageTolerance": 1}}' // response { "status": "complete", "elapsedMs": 410, "counts": { "records": 0, "sourcesQueried": 58, "sourcesComplete": 58, "sourcesIncomplete": 0 }, "records": [] } // a match carries its reason { "matchState": "dob_match", "matchConfidence": 0.98, "matchBasis": ["lastName:exact", "firstName", "dob"] }
Screening challenges for banks, lenders, and fintech risk teams
- Digital account opening leaves no room for a slow manual lookup
- EDD and risk reviews need a signal that spans every jurisdiction
- Examiners and auditors expect a documented, source-verified trail
What sex offender screening gives banks, lenders, and fintech risk teams
Screen at account opening without adding friction
Enrich enhanced-due-diligence reviews with a signal from every US registry
Keep a source-verified record for examiners
Financial Services & Fintech sex offender check API: request and response. One POST per person, or the same search from the dashboard with no code.
curl https://api.offendersearch.app/v1/search \ -H "X-API-Key: $OFFENDERSEARCH_KEY" \ -H "Content-Type: application/json" \ -d '{"query": {"firstName": "Jordan", "lastName": "Sample", "dob": "1980-04-12", "ageTolerance": 1}}' // response { "status": "complete", "elapsedMs": 410, "counts": { "records": 0, "sourcesQueried": 58, "sourcesComplete": 58, "sourcesIncomplete": 0 }, "records": [] } // a match carries its reason { "matchState": "dob_match", "matchConfidence": 0.98, "matchBasis": ["lastName:exact", "firstName", "dob"] }
Send what you have. Name and date of birth; age or birth year when that is all you hold. Date of birth drives matchState: dob_match, year_match, age_match or no_dob_age_year.
Read the counts. sourcesComplete against sourcesQueried says whether all 58 registries answered, so a partial search is never read as a clear one.
Branch on the score. matchConfidence and matchBasis on every record, with the registry cited.
| Person | Checked for | Result | Answered |
|---|---|---|---|
| Jordan Sample | account onboarding | No match | 58 / 58 |
| Jordan A. Sample | account onboarding | Match · dob_match | 58 / 58 |
| J. Sample | account onboarding | Review · year_match | 58 / 58 |
Read the API docs › · Search from the dashboard › · Screen a CSV without code ›
Sex offender screening built for financial services & fintech. One key, one schema, one stored record of every check.
Inline KYC screening
Low-latency sync calls slot into account-opening and onboarding flows without adding drop-off.
Every US registry in one call
A single request covers the 50 states, DC, and US territories, catching prior registrations wherever an applicant has lived.
Audit-ready provenance
matchConfidence, matchBasis, and source provenance on every hit give risk and audit teams a defensible file.
When banks, lenders, and fintech risk teams run a sex offender check. Each moment, and the call that fits it.
Marketplace and platform trust
Lenders, payment apps and marketplaces that connect people in person — home services, peer-to-peer rentals, caregiving payments — screen the providers on their platform, not the borrowers.
Staff who enter homes or meet customers alone
Field agents, appraisers and in-home sales staff get screened before their first appointment.
Investigations and fraud review
Investigators confirm identity details and history during a case review, where the official record link is what makes a finding defensible.
Know-your-business on partners
Teams onboarding individual contractors or sole proprietors add a registry check to their partner review.
Before a field visit or appraisal
Lenders and servicers screen staff and contractors who visit borrowers’ homes.
When a provider changes category
Moving into child care, senior care or tutoring categories triggers a fresh check.
Financial Services & Fintech screening workflow. Step by step, from the first call to the stored record.
Separate safety screening from credit decisions. Registry data used for credit or lending decisions is restricted in some states and regulated federally; platform-safety screening of providers is a different use.
Search with name and date of birth. One call across the 58 US registries, scored by how strongly each candidate matches.
Review and document. Keep the response, the match basis and the reviewer’s decision with the case.
Add criminal records on the same key. County, state and federal criminal records run on the same integration when a review needs them.
Monitor active providers. Alerts arrive when a monitored provider’s registry status changes.
Financial Services & Fintech screening: what the law requires and what it doesn’t
Financial regulation does require screening — but of a different kind. Banks, credit unions, broker-dealers and mortgage originators run fingerprint criminal-history checks under statutes such as the FDIC Act and the SAFE Act, and registry status is not a listed disqualifier in those regimes. Money-services businesses have no federal employee-screening requirement at all under the AML program rule. A registry check is a safety layer here, not a compliance box.
Using registry information for credit decisions is restricted. California prohibits using Megan’s Law information for purposes relating to loans or credit unless the use protects a person at risk or another law authorizes it (Penal Code § 290.46(j)). Where fintech platforms use registry data, it is usually to protect customers who meet providers in person — the safety use the law expects.
Fintech platforms usually meet the registry question through the marketplace side of the business: a payments app for home services, a lending platform that funds in-home care, an earned-wage product for gig workers. In each, the safety risk sits with the provider who meets a customer in person, and that is where a registry check belongs. Monitoring keeps an active provider base current without re-screening everyone on a schedule, and per-search billing keeps cost tied to volume.
Sex offender screening for financial services & fintech, by the numbers. The same answer whichever registry holds the record.
Registry and criminal records for financial services & fintech, on one key. Most banks, lenders, and fintech risk teams need more than one check, and running two vendors means two integrations, two contracts and two invoices.
Sex offender registry
58 US registries, continuously updated, with photographs, aliases, addresses and the official record citation on every match. 1.5M records in one schema.
Sex offender API ›Criminal records
1,408 county jail rosters, 53 state corrections systems, courts, warrants and federal custody, almost 50 million records in the same scored, source-cited schema. Same key, same price.
Criminal search API ›FCRA background checks
When a result decides a hire or a tenancy, the check runs as an FCRA order through FCRA Partner Access: consent, the check, disputes and adverse-action steps. Pricing is quoted per partner.
FCRA Partner Access ›Coverage today: 1,914 criminal jurisdictions catalogued, 1,564 live, 51 states + DC + federal. See what each state publishes, or the live list at /v1/criminal/sources.
What financial services & fintech screening costs per check. $0.15 a call, $0.11 past 2,000 a month. No platform fee, no seats, no minimum.
| Checks / month | Cost | Per check |
|---|---|---|
| 500 | $75.00 | $0.1500 |
| 5,000 | $630.00 | $0.1260 |
| 50,000 | $5,580.00 | $0.1116 |
A batch is billed per row, so bulk screening costs the same per person as a single lookup. No setup fee, no per-seat licence, no monthly minimum on search and no annual contract, so the price scales down with you as well as up. A fraction of what legacy screening platforms charge.
The background check API · screen a CSV without code. More for developers: the free background check API tier, background check API pricing, the employment screening API and tenant screening API, and the background check API in Python and background check API in Node.js tutorials.
Financial Services & Fintech screening FAQ
For anything else, talk to sales or read the API docs.
Can this fit inside a real-time onboarding flow?
Yes. The sync endpoint is served from our current snapshot and reports its own elapsedMs on every response, so you can size it against your flow; deep national searches are available async.
Is this a consumer report for lending decisions?
Not on the standard API: standard results are not a consumer report; FCRA-regulated use runs through FCRA Partner Access, a separately enabled service for approved consumer reporting agencies under a written FCRA agreement.
Can lenders use sex offender registry data for credit decisions?
Treat it as restricted. California prohibits using Megan’s Law information for loans or credit unless another law authorizes it, and consumer decisions are regulated. Use registry screening for platform safety, and route any consumer decision through counsel and an FCRA workflow.
Do banks have to check the sex offender registry for employees?
No federal banking rule requires a registry search; banking employment screening is a fingerprint criminal-history check. A registry check can add a safety signal for roles that meet customers alone.
Can we add criminal records too?
Yes — county, state and federal criminal records are on the same API key, billed per call.
Do money-services businesses have to screen employees?
The federal AML program rule for MSBs does not include an employee-screening requirement. Screening there is a policy choice.
Is registry screening a substitute for KYC?
No. KYC confirms who someone is; a registry check tells you whether that verified person is registered. Run identity verification first, then screen.
What does a check cost?
Billing is per search with no floor; see the cost section on this page for the current per-check price.
Related
Screen banks, lenders, and fintech risk teams with one API
Add a sex offender signal from every US registry to KYC, onboarding, and enhanced-due-diligence workflows with one API call — scored, source-tagged, and fast enough to run inline at account opening.