Atlanticus Holdings Corporation, through its ICS Group subsidiary, designs and manages consumer credit card and installment loan programs for non‐prime markets in the United States. The company partners with community banks, credit unions and a nationally chartered bank to deliver private‐label and co‐branded credit card solutions. Its services encompass account origination, underwriting, servicing, collections and marketing support for revolving and term-credit products.
In its revolving credit segment, Atlanticus provides a proprietary platform that issues and services consumer credit cards under a national bank charter, serving millions of cardholders across the country. The company’s installment loan business is administered through third-party originators and financial institution partners, offering fixed-term loans that target consumers who may be underserved by traditional lenders. Integrated digital tools and analytics further support credit adjudication, customer acquisition and ongoing account management.
Headquartered in Tampa, Florida, Atlanticus was founded in the mid-2000s and has since expanded its program capabilities to include mobile servicing applications, advanced fraud prevention and data-driven marketing strategies. The company operates under the oversight of banking regulators and the Consumer Financial Protection Bureau, ensuring compliance with consumer credit laws and regulatory standards.
Led by an executive team with deep experience in consumer lending, banking partnerships and credit operations, Atlanticus continues to evolve its product mix and partner network. Its focus on underwriting discipline, customer service and technological integration positions the firm as a specialized provider of credit solutions for community financial institutions and non-prime consumers.
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