Short-Term Consumer Loan Database and Database-Related Services

State of Delaware
Office of the State Bank Commissioner
Request for Proposal for Professional Services
for
SHORT-TERM CONSUMER LOAN DATABASE
AND DATABASE-RELATED SERVICES
June 12, 2026
by
State of Delaware
Office of the State Bank Commissioner
1110 Forrest Avenue
Dover, Delaware 19904
Bid Number: STA263185-LOANDATAB
Bid Closing: Thursday, July 9, 2026
Proposal Submission Deadline: Thursday, July 9, 2026 at 4:00 PM (EDT)

CONTENTS:
Section 1. INTRODUCTION AND OVERVIEW
Section 2. SCOPE OF SERVICES
Section 3. REQUIRED INFORMATION
Section 4. RFP ADMINISTRATIVE INFORMATION (ISSUANCE, BIDS, EVALUATION)
Section 5. CONTRACT TERMS AND CONDITIONS
Section 6. RFP MISCELLANEOUS INFORMATION
Section 7. ATTACHMENTS
SECTION 1. INTRODUCTION AND OVERVIEW
1.1 The State of Delaware, Office of State Bank Commissioner ("OSBC"), pursuant to Title
5 of the Delaware Code, oversees and regulates the various banks, credit unions and financial
services companies conducting business in the State of Delaware that have been chartered or
licensed by the OSBC. These regulated entities include licensed lenders who make "short-term
consumer loans" to consumers as defined in Sections 2227 and 2235A of Title 5 of the Delaware
Code. OSBC seeks professional services from a qualified vendor ("Vendor") to provide and
perform professional services as described in this Request for Proposal ("RFP"), which is issued
pursuant to 29 Del. C. 6981 and 6982. Specifically, the OSBC seeks professional services
from a qualified Vendor to provide and maintain a short-term consumer loan database as required
by Section 2235B of Title 5 of the Delaware Code and to perform related professional services as
described in Section 2.2 of this RFP.
The proposed schedule of events subject to this RFP is outlined below:
Public Notice of the RFP Date: Friday, June 12, 2026
Deadline for Questions Date: Thursday, June 25, 2026
Response to Questions Posted by: Date: Monday, June 29, 2026
Deadline for Receipt of Proposals Date: Thursday, July 9, 2026 at 4:00 PM (EDT)
Estimated Notification of Award Date: TBD
1.2 Each Proposal must be accompanied by a transmittal letter that briefly summarizes the
Firm's interest in providing the required professional services. The transmittal letter must also

clearly state and justify any exceptions to the requirements of the RFP that the Vendor may have
taken in presenting the Proposal. Vendor's exceptions must also be recorded on Attachment 2.
1.3 The transmittal letter must attest to the fact, at a minimum, that the Vendor shall not store
or transfer non-public State of Delaware data outside of the United States. For technology-related
solicitations, Vendors should refer to the Delaware Department of Technology and Information
identified terms and conditions included as Attachment 6 of this RFP.
1.4 A mandatory pre-bid meeting has not been established for this RFP and is not required.
1.5. Designated Contact; Submission of Written Questions. This RFP process will be
managed by the State of Delaware Office of the State Bank Commissioner, c/o Deputy Bank
Commissioner Christopher L. Hall (the "Designated Contact"); Address: 1110 Forrest Drive,
Dover, Delaware 19904; Email: bankcommissioner@delaware.gov.
All written questions concerning this RFP shall be submitted to the Designated Contact listed
above via email on or before the date and time stated above in Section 1.1. Questions should be
directly tied to the RFP and asked in consecutive order from beginning to end, following the
organization of the RFP. Each question should begin by referencing the RFP page number,
heading and section number to which it relates. Questions that deviate from this format may be
rejected by OSBC, in its discretion. OSBC will provide written responses to questions from
prospective Vendors on or before the date and time stated above in Section 1.1 Responses will
be posted publicly and will be available at https://bids.delaware.gov .
SECTION 2. SCOPE OF SERVICES REQUIRED
2.1 Definitions
All terms used in this RFP shall have meanings consistent with the provisions of 5 Del. C. Ch.
22, Subchapter III unless otherwise specifically defined, or unless another intention clearly
appears, or unless the context requires a different meaning:
1. "Commissioner" means the State of Delaware Bank Commissioner.
2. "Database" means the database described by 5 Del. C. 2235B.
3. "Licensee" means a lender that is licensed by the Commissioner and provides Short-
Term Consumer Loans under 5 Del. C. 2235A.
4. "Short-Term Consumer Loan" means any single extension of closed-end credit of $1,000
or less made to an individual borrower that charges interest and/or fees for which the

stated repayment period is less than 60 days and is not secured by title to a motor vehicle.
This term includes an extension of an outstanding and unpaid indebtedness beyond the
stated repayment period solely on the basis of the payment of a fee without approval of
a new loan application and a refinancing.
2.2 Description of Services
On June 27, 2012, the State of Delaware enacted 78 Del. Laws Ch. 278 ("the Act"). See Appendix
"A" attached. The Act amended existing 2227 and 2235A of Title 5 of the Delaware Code
and also added 2235B and 2235C to that Title, effective January 1, 2013. No provision of the
Act has been subsequently amended by the State of Delaware.
The Act limited to five the number of short-term consumer loans (sometimes called payday loans)
that any one borrower may obtain in a twelve-month period and changed the definition of short-
term consumer loan to include loans up to $1,000 rather than $500.
The Act further provided in 5 Del. C. 2235B for the establishment of a database (the "Database")
to track the number of short-term consumer loans that an individual obtains in a twelve-month
period, and in 5 Del. C. 2235C, it directed the State Bank Commissioner to provide to the
Delaware General Assembly a yearly report on the prevalence and nature of these payday loans.
This RFP seeks proposals from qualified vendors to develop and implement the Database required
by 2235B with the report generating capabilities required by 5 Del. C. 2235C.
Vendor, in exchange for compensation, in part, through per transaction fees paid by Licensees
through the Commissioner pursuant to 5 Del. C. 2235B(e)(4) and as scheduled by the
Commissioner, shall provide the following as a complete and comprehensive Database with
report generating capabilities to meet the requirements of the Act and the needs of the
Commissioner as set forth herein:
2.2.1. Implement, customize (as required) and maintain a Database that shall be
accessible by all Licensees and the Commissioner on a real-time basis via the Internet.
2.2.2. Provide an option for the Database to interface directly with each Licensee's point-
of-sale system.
2.2.3. Capture historical loan data from the Licensees.
2.2.4. Accept an initial file and periodic updates generated by the Commissioner's
computer system to populate the Database with Licensees' identifying information (name, address,
control number, etc.) in a format acceptable to both parties.

2.2.5. Take all actions necessary to ensure and protect the confidentiality and security of
the information contained in the Database and to ensure the maximum availability and reliability
of the Database to support business operations, including:
a. Allowing a Licensee to correct promptly any incorrect data entered into the
Database that was previously submitted;
b. Establishing and maintaining a process for responding to transaction verification
requests from a Licensee in the event the Database is inaccessible due to technical
difficulties;
c. Taking reasonable measures to prevent identity theft;
d. Providing accurate and secure receipt, transmission and storage of borrower data;
e. Deleting identifying borrower information from the Database on a regular and
routine basis at any designated period after a Short-Term Consumer Loan is paid
off;
f. Retaining, archiving, and deleting information entered or stored in the Database
under standards set by the Commissioner; and
g. Providing the Commissioner or the Commissioner's designee complete access to
the Database.
2.2.6. Collect Short-Term Consumer Loan transaction data for all such loans subject to
5 Del. C. 2235A. It is preferred that all information indicated below (a. through pp.) be
collected, however, at a minimum, the Database shall collect the information indicated as required
(a. through t.). Additionally, based on future legislative changes or rulemaking associated with 5
Del. C. 2235A, 2235B and 2235C, other data elements may need to be collected by the
Database along with additional requirements to be performed by the vendor for the dates specified
in the legislative changes or rulemaking. Such changes may be communicated by the
Commissioner to the vendor prior to award of the contract (if any) or to the vendor after award of
the contract (if any).
Required Information to be Collected and Stored in the Database:
a. Licensee's name and license number;
b. Licensee's office location;

c. Borrower's first and last name;
d. Borrower's address;
e. Borrower's social security or employment authorization number;
f. Borrower's gross monthly income;
g. The amount of the Short-Term Consumer Loan transaction;
h. The annual percentage rate of the Short-Term Consumer Loan transaction as
computed under the federal Truth in Lending Act;
i. The date of the Short-Term Consumer Loan transaction;
j. The anticipated date that the Short-Term Consumer Loan transaction will be paid
off;
k. The date that a Short-Term Consumer Loan transaction is paid in full, or is
otherwise satisfied;
l. The date that a Short-Term Consumer Loan transaction defaults and the amount of
that default;
m. Whether a potential borrower is eligible for a Short-Term Consumer Loan under 5
Del. C. 2235A;
n. The specific reason(s) for ineligibility if a potential borrower is not eligible for a
Short-Term Consumer Loan under 5 Del. C. 2235A;
o. Routing number and checking account number for any check securing the loan;
p. The date funds for the Short-Term Consumer Loan transaction are disbursed;
q. Whether the borrower is or is not a member of the military services of the United
States, and whether borrower is or is not the spouse or dependent of such a
servicemember;
r. Number and purpose of inquiries made to the call center;

s. Any other information needed for a Licensee to comply with 5 Del. C. 2235A;
and
t. Any other information needed to prepare the report described in Item 16 below.
Additional Information that is Preferred to be collected and Stored in the Database:
u. Name of the Licensee's employee entering data;
v. Application date;
w. Dollar (principal) amount of the Short-Term Consumer Loan;
x. Annual Percentage Rate as computed under the federal Truth in Lending Act that
is disclosed to borrower;
y. Dollar amount of interest, and dollar amount of each type of fee charged for the
Short-Term Consumer Loan;
z. Number of days in a potential borrower's pay cycle;
aa. Term of the Short-Term Consumer Loan;
bb. Dollar amount of any check given to secure the Short-Term Consumer Loan;
cc. Date of cancellation if borrower cancels the Short-Term Consumer Loan;
dd. Dollar amount and payment date of any partial payments made prior to maturity of
the Short-Term Consumer Loan;
ee Dollar amount of refunds made to borrower for partial prepayments of the Short-
Term Consumer Loan;
ff. Date and number of times borrower's check is presented to a financial institution
for payment;
gg. Dollar amount of returned check fees charged to borrower;
hh. Date any legal proceedings are initiated by Licensee against borrower for non-
payment;

ii. If a judgment is obtained against the borrower, the dollar amount of court costs and
attorney fees collected from borrower;
jj Dollar amount recovered through judgment;
kk. If the Short-Term Consumer Loan is charged off, the dollar amount charged off;
ll. Source of repayment (employment vs. Social Security);
mm. Loan number for the Short-Term Consumer Loan;
nn. Total finance charges for the Short-Term Consumer Loan;
oo. Time/date stamps for when data is entered by Licensee; and
pp. Whether any consumer contacted Database vendor regarding ineligibility.
2.2.7. Limit Database access in accordance with the provisions of 5 Del. C. 2235A,
2235B and 2235C and the regulations promulgated by the Commissioner.
2.2.8. Record in the Database the date, time, source (borrower or Licensee), and purpose
of all inquiries to the call center.
2.2.9. Track all Short-Term Consumer Loan activity in the State of Delaware.
2.2.10. Operate a call center with a toll-free telephone number for the following purposes:
a. To advise borrowers of the reason for their ineligibility as reported by the Licensee;
b. To assist in resolving problems relating to denial of eligibility;
c. To assist in resolving disputes between borrowers or potential borrowers and
Licensees, and
d To certify eligibility of potential borrowers and/or to input loan data when the
Licensees are unable to access the Database.
2.2.11. Refer consumer complaints outside the scope of Items 10.a, 10.b, and 10.c above
to a specific contact person within the Commissioner's office.
2.2.12. Advise each Licensee:
a. Whether a potential borrower has an outstanding Short-Term Consumer Loan;

b. The total number of Short-Term Consumer Loans a potential borrower has
outstanding;
c. Whether a potential borrower is eligible for a Short-Term Consumer Loan in
accordance with all provisions of 5 Del. C. 2235A;
d. Whether the terms of a proposed Short-Term Consumer Loan comply with the
provisions of 5 Del. C. 2235A; and
e. Any other information necessary to comply with 5 Del. C. Ch. 22.
2.2.13. Develop detailed reports, visible and downloadable, through the Internet Database
on Short-Term Consumer Loan activity of Licensees, to assist with policy considerations by the
Delaware General Assembly, to support any necessary enforcement actions, and to support the
examination, supervision, and regulation of the Licensees by the Commissioner.
2.2.14. When first learned, direct any complaints regarding misuse of the Database by
Licensees to a point-of-contact in the Commissioner's office.
2.2.15. Submit to the Commissioner no later than February 28 of each year a report that
contains the following information as of December 31 of the previous year:
a. The total number and dollar amount of Short-Term Consumer Loan transactions;
b. The total number of individual borrowers who entered into Short-Term Consumer
Loan transactions along with their gross monthly income;
c. The minimum, maximum, and average amount of Short-Term Consumer Loan
transactions;
d. The minimum, maximum, and average annual percentage rate of Short-Term
Consumer Loans;
e. The average number of days a Short-Term Consumer Loan is outstanding;
f. The number of borrowers entering into each permissible number of Short-Term
Consumer Loans, one transaction to five transactions;
g. The default rate on Short-Term Consumer Loans; and

h. Any other information requested by the Commissioner on or before January 20 of
the year that the report is due.
2.2.16. Provide training to Licensees and the Commissioner's staff.
2.2.17. Develop and provide an appropriate training plan that includes Licensees and the
Commissioner's staff and submit that plan to the Commissioner for review and approval prior to
performing training services.
2.1.18. Develop a disaster recovery plan with respect to the operation of the Database and
the preservation and security of the data maintained on the Database, and submit that plan to the
Commissioner for review and approval NO LATER THAN OCTOBER 16, 2026.
2.2.19. Provide appropriate Database and user documentation.
2.2.20. Upon request, provide the Commissioner with input on administrative rules
relating to the use and operation of the Database.
2.2.21. Complete pre-implementation testing and implement the Database to include all
requirements to ensure operability of the Database NO LATER THAN OCTOBER 16, 2026.
2.2.22. No later than March 1, 2027, maintain and operate the Database in conformance
with Section II of the Americans with Disabilities Act ("ADA") and Level A and Level AA
success criteria and conformance requirements specified in WCAG 2.1, as required pursuant to
28 CFR 35.200(b)(1), as amended by 91 FR 20902.
SECTION 3. REQUIRED INFORMATION
The following information shall be provided in each proposal in the order listed below. Failure
to respond to any request for information within this proposal may result in rejection of the
proposal at the sole discretion of OSBC.
3.1 Minimum Requirements
3.1.1. Provide Delaware license(s) and/or certification(s) necessary to perform services
as identified in Section 2. SCOPE OF SERVICES REQUIRED above. Prior to the
execution of a contract, the successful Vendor shall either furnish OSBC with proof of
State of Delaware Business Licensure or initiate the process of application where required.
3.1.2. Vendor shall provide timely and complete responses to this RFP scope of work and
clearly identify capabilities as presented in the General Evaluation Requirements below.