★★★★★

⭐⭐⭐⭐⭐

Excellent (Highly Compliant, Consumer-Focused)

Demonstrates outstanding transparency, customer support, and regulatory compliance. Consistently meets or exceeds consumer expectations with minimal complaints and proactive improvement.

★★★★☆

⭐⭐⭐⭐☆

Strong (Generally Trustworthy with Minor Issues)

Maintains good consumer outcomes and legal compliance. Any violations or complaints are minor, isolated, and promptly resolved. Clear disclosures and fair terms.

★★★☆☆

⭐⭐⭐☆☆

Average (Mixed Record, Moderate Risk)

Provides standard consumer value but has occasional compliance issues or inconsistent service. Consumers should review terms carefully and compare competitors before choosing.

★★☆☆☆

⭐⭐☆☆☆

Weak (Significant Concerns)

Shows repeated or notable regulatory violations, questionable practices, or inconsistent transparency. Consumers should proceed with caution and verify all terms independently.

★☆☆☆☆

⭐☆☆☆☆

Poor (High Risk / Regulatory Violations)

Demonstrates serious or repeated misconduct. Misleading advertising, unlawful practices, or consumer harm documented by regulators. Avoid unless major reforms occur.