Powering FinTech
Enabling our clients to deliver financial solutions that empower consumers anytime, everywhere.
Learn More about Powering FinTech


Powering the Marketplace Economy with Push-To-Card Payments
View release here

Technology is at the core of what we do.
It’s changing the way our FinTech partners do business.

Payment Rails

Streamlined, compliant payments solutions including ACH, wire, card disbursement and money transfer-all through APIs.

Marketplace Lending

Provide loan origination services for leading marketplace lending platforms, providing greater access to credit in the market.


Our API driven banking platform, Cross River Operating System, will allow FinTechs to plug-in and access multiple banking services that will be customizable and secure.

Capital Markets

Sophisticated financing options including off-balance-sheet, and asset-backed credit facilities to help our partners grow.

Traditional Banking

Committed to meeting the needs of our communities through a personalized, full-service banking experience.


Risk assessments, diligence, testing, monitoring, and oversight form a trusted internal Compliance Management System.

Our Partners

Best Egg
Finix Payments

Important Notice Regarding C+ Loans

On March 28, 2018, Freedom Financial Asset Management, LLC (“FFAM”) and Cross River Bank (“Bank”) entered into separate consent orders with the Federal Deposit Insurance Corporation (“FDIC”). The consent orders found that FFAM and the Bank had failed to disclose to consumers that, with respect to debts settled by Freedom Debt Relief for consumers in the Consolidation Plus® (“C+”) loan program, their participation might, in some cases, be necessary. The FDIC also found violations of other consumer lending laws. The consent orders provide for restitution of fees paid in connection with the settlement of accounts that were negotiated, in whole or in part, by “eligible consumers,” as that term is defined in the consent orders. The consent orders may be found at https://www.fdic.gov/news/news/press/2018/pr18021.html.

You are eligible for a refund if...

...you have, or had, a C+ loan and:

  • negotiated, in whole or in part, the settlement of one or more of your enrolled debts;
  • you were charged interest for any period beyond the maximum payment term set forth in your C+ loan agreement; or
  • your debts were not settled within 45 or 90 days (as applicable) from the date of your signing your C+ loan agreement.

This website notice has been posted on December 17, 2018. It is currently anticipated that restitution payments will commence on December 17, 2018. Each check evidencing a restitution payment will be valid for 90 days from the date of issuance; for checks not cashed in such 90-day period, the restitution amount will be retained by FFAM and may be claimed by any Eligible Consumer for a period of 360 days from the mailing date of such check. For consumers who do not cash the check within 90 days but have an open C+ account, such consumers will receive a credit to their account.

If you are eligible for relief you are not required to take any action to receive the refund to which you are entitled.

You can check your eligibility for relief or provide updated contact information by contacting FFAM at:

Freedom Financial Network Restitution
c/o JND Legal Administration
PO Box 91345
Seattle, WA 98111
Toll Free: (833) 747-6668
E-mail: info@freedomfinancialnetworkrestitution.com