Our Purpose
FinanceCova starts with official U.S. sources—like CFPB guidance, FTC reports, NAIC model laws, SSA Trustees Reports, HUD data, and congressional records—and incorporates public-policy analysis when needed to clarify complex or ambiguous areas. The material is rewritten in clear, accessible language to make it usable for real-world decisions.
Rather than oversimplify, the goal is to unpack the meaning behind each rule, report, and policy so people who aren’t insiders can still follow what’s going on. Whether you’re trying to understand how credit reporting works or how a renters insurance appeal unfolds, our purpose is to explain the technical details in a way that makes sense.
FinanceCova never gives personal advice or investment tips. Our mission is to produce accurate, transparent information that helps readers understand the rules shaping their financial lives.
Our work is organised into two areas:
For details on data protection and user rights, see our Privacy Policy and Terms & Conditions.
What Makes Us Different
- Independent perspective. Based in Buenos Aires, Argentina, we bring an outside view of the U.S. financial system. We are not affiliated with American banks, insurers, or lobbying groups.
- Document‑first research. Every key statement links to an official source or clearly labeled supporting analysis you can open with one click.
- No commercial agenda. We do not sell or promote credit cards, loans, or insurance.
- Practical focus. We cover credit scores and policy language that matter in daily life.
- Clarity above all. Our guides are written for real readers while our team reviews each document to ensure plain language usage.
How We Work
- Start with the original document. We begin with the underlying rule, model law, agency guidance, or public record. We use secondary analysis only to provide context—and always cite it clearly.
- Remove legalese. The content goes through multiple revisions to make it as clear and accessible as possible.
- Stay neutral. We explain how policies and systems work; decisions are up to the reader.
- Link every source. Official documents and any supporting analysis are embedded in the text for instant verification.
- Keep pages current. When a regulation or reference changes, we update the guide and note the revision date.
The full process is detailed in our Editorial Policy.
Meet the Team
Lucas Koch • Founder & Lead Researcher
Lucas is a full-stack developer and independent analyst based in Buenos Aires, Argentina. He brings a clear-eyed, external perspective to the U.S. financial system by combining technical skills with deep document analysis. He built FinanceCova from scratch, writing the code, modeling the data flows, and setting the research standards that anchor every guide in verifiable evidence.
Tobias Romero • Content & Growth Lead
Tobias Romero converts research findings into content that reaches the intended audience. He guides our content strategy and makes sure each explainer finds the people who need it, without sacrificing accuracy or depth.
Why We Built FinanceCova
The public documents that determine credit limits, insurance coverage, and filing deadlines remain as difficult to understand as puzzle boxes. People often turn to forums or content farms with vague summaries and unclear sources when they can’t find answers easily.
We remove that guesswork.
- Go to the source. Our team reviews the original regulation, public report, or policy document so you don’t have to waste time searching. We include outside analysis only when it adds essential context—and always label it clearly.
- Keep it clear. Our content uses plain language, concrete examples, and only the necessary details to help you understand the issue.
FinanceCova serves readers who want reliable facts presented in a straightforward way—grounded in official documents and supported by trusted sources. While ads may appear to support our work, they never influence the editorial content.
Have a question or suggestion? Visit our Contact page.