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Fully Paid Lending Has Entered the Mainstream

How to overcome the operating model and technology challenges when setting up a Fully Paid Lending program.

Fully Paid Lending Has Entered the Mainstream

Fully Paid Lending (FPL) – under its various product names - has evolved with the market to become a core expectation of an increasingly large segment of the investor community. In today’s world, those educated customers are driving the market. This article, published in Securities Finance Monitor magazine discusses how the challenges for brokers in setting up a Fully Paid lending program can be overcome.

Rick Stinchfield is a senior consultant with Broadridge GTO Professional Services. He has spent over 30 years developing and managing capital markets industry-critical technologies, from some of the earliest start-up innovators to major services providers and consultancies. He is a regular speaker at industry conferences and has been cited in financial industry publications and the mainstream press. He can be reached at

Carol Penhale is a Managing Director and a Practice Lead for Consulting and Advisory at Broadridge, Carol brings 3 decades of experience to financial services mandates and helping firms achieve business goals and remain competitive. Carol has spearheaded many end-to-end transformational mandates by optimizing technology stacks, addressing data governance and m igrating to more effective processes and work flows to service disruptive business impacts and demands. She has a BA from The University of Toronto, a Certificate in History from the University of Edinburgh and a Degree in Programming and Systems Analysis from The Institute for Computer Studies. She can be reached at