Business names, DBAs, and ownership in RUO underwriting

Map the legal and customer-facing names

Write down the legal name on the business records, any trade name or DBA, and the storefront name customers see. A website brand can differ from the legal entity. Show how each brand relates to the applicant and where the legal seller is identified on the site.

Prepare the people and authority records requested

Review the ownership fields and identify the people or entities the application asks you to disclose. Confirm who can sign for the business and who will answer follow-up questions. If a recent ownership change or an entity owner makes the structure harder to follow, provide a short explanation and ask which records are needed.

Resolve discrepancies with current records

• Check the spelling, suffix, and address against the document for the legal entity.
• Explain a storefront name, bank title, or mailing address that differs from the application.
• If a record is outdated, explain the change and submit the current document through the approved channel.
• Keep identity and ownership documents out of ordinary support emails unless the reviewer supplies an approved secure method.