Governance
Data Sources & Compliance
DepositLeads is built for regulated financial institutions. Here's exactly where our data comes from and what you're responsible for.
Module Source Register
Scroll table sideways to view every source column.
| Module | Data Source | Refresh Frequency | Permissible Use Notes |
|---|---|---|---|
| Filings | Arkansas SOS live adapter, additional SOS adapters staged | Weekly on Prospector, daily on Growth+ | Use for business-account outreach only; preserve public source attribution and opt-out suppression. |
| Movers | Licensed mover data provider or USPS NCOA-compatible provider | Weekly | USPS NCOA data is provided under licensed agreement. Banks must have a permissible purpose under FCRA 604(a)(3)(F) for financial product marketing. |
| Probate | County probate court public records where permitted | Weekly by county | Approach executor and estate matters with empathy; avoid investment pitches unless bank policy permits. |
| SBA | SBA.gov public weekly data feed | Weekly | Public SBA approval data may support business relationship outreach; do not imply credit eligibility or approval. |
| Homebuyers | County deed and mortgage recordings where permitted | Weekly | County deed data can support onboarding outreach; all mortgage offers must follow fair-lending policy. |
| Licenses | State licensing boards and permitted public portals | Weekly | Use only permitted state licensing records and respect board terms, rate limits, and resale rules. |
| Nonprofit 990 | IRS Form 990 series public downloads | Annual refresh with monthly monitoring | IRS 990 data is public; outreach should focus on mission-aligned treasury and nonprofit banking needs. |
| News AI | Permitted RSS feeds, public business pages, press wires, review APIs, and local announcement sources | Daily | Use public or licensed news/RSS/social-listening sources; respect publisher/platform terms, link back to originals, and never use logged-in scraping, private groups, personal profiles, or direct messages. |
| UCC | State UCC filing data where permitted | Monthly | UCC data identifies existing secured-party relationships; use as a relationship prompt, not a credit decision. |
| Competitors | FDIC Summary of Deposits (SOD), FDIC BankFind institutions, and FDIC BankFind locations APIs | Nightly FDIC BankFind refresh; SOD deposit period updates annually after FDIC publication | FDIC market data is public and aggregate; do not claim private knowledge of competitor customers. |
| Market Gap | Customer CSV plus DepositLeads market graph | Monthly | Bank-provided customer files remain tenant-scoped and should be used only for the bank's own prospecting analysis. |