About the work

A closer look.

Send me one loan app, lender, company or claim and I check it against the record that actually decides it: for Zambia, the Bank of Zambia licensed-institutions register (208 entries read 1 November 2026), plus PACRA or the relevant regulator. You get a short written brief within 48 hours: the verdict on the first line, the source and method, the exact date I pulled it, the row count, and one clear next action. One revision included. Worked example. Question: 'Is ASA Microfinance Zambia Limited licensed?' Verdict, first line: yes, listed on the Bank of Zambia non-bank financial institutions register as ASA Microfinance Zambia Limited. Source: boz.zm licensed institutions register. Pulled 1 November 2026, 208 rows read. The part quick checks get wrong: Zambia's lending law is mid-transition. The Money-lenders Act, Cap. 398 was repealed by the Banking and Financial Services Act, No. 9 of 2026, but section 214(2) keeps old Cap. 398 licences valid until they expire. As at 1 November 2026 no commencement instrument had been issued, so a money lender can hold a valid licence and still not appear on the BoZ register. When the register comes back empty, my brief says 'not on the register' and then says exactly what that does and does not prove. I will not call a company illegal on a register gap alone. Try the method free first, no signup: https://ilands.ai/content/375329032574603264 Built for anyone about to send money to a loan app, lender or company, or about to call one a scam.