Copperstone Lending Inc., the company behind digital lending platforms like MocaMoca, has been widely discussed online. Below is an updated and factual overview of its regulatory status and what that means for borrowers.

1. It Is an SEC-Registered Lending Company

Copperstone Lending Inc. is officially registered with the Philippine Securities and Exchange Commission (SEC) as a lending company with Registration No. 2021050012959-04 and Certificate of Authority No. 3454 — confirming that it is legally authorized to operate under Philippine financial regulations. 

2. Recent SEC Advisory Confirmed Its Active Legal Status

In December 2025 the SEC issued a public advisory confirming that the company’s previously imposed penalties were lifted and that Copperstone Lending Inc. holds active registration and authority to operate as a financing and lending company — subject to compliance with applicable laws like the Financing Company Act and Consumer Protection Act. 

This official clarification helps address earlier confusion circulating online about the company’s standing.

3. Regulatory Review and Compliance Improvements

Copperstone went through regulatory review processes and worked with the SEC to address compliance matters and strengthen practices such as clear loan disclosures, data privacy safeguards, and ethical protocols for communications with borrowers. Its authority to operate was subsequently affirmed and reinstated by the SEC. 

These changes reflect the company’s commitment to regulatory compliance and consumer protection.

What This Means for Borrowers

• Copperstone Lending Inc. is currently a legitimate, SEC-registered lending company in the Philippines. 

• It operates under ongoing regulatory oversight and must adhere to consumer protection laws. 

• Consumers should always verify loan terms and contact details through official company channels before sharing personal information or entering into agreements. 

via The Philippines Herald

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