{
  "_meta": {
    "dataset": "halal-finance-shariah-transparency-audit-us",
    "name": "U.S. Halal Finance Shariah Transparency & Verification Audit",
    "description": "Product-level audit of what every U.S. Shariah-marketed financial product publicly discloses: Shariah governance tier (formal board / third-party certified / named scholars / no public review), published-cost disclosure, and a primary-source verification date per record — built from HalalWallet's July 2026 manual crawl of every provider site in its registry.",
    "url": "https://www.halalwallet.us/data/halal-finance-shariah-transparency-audit-us",
    "downloadUrl": "https://www.halalwallet.us/api/data/halal-finance-shariah-transparency-audit-us.json",
    "publisher": {
      "@type": "Organization",
      "name": "HalalWallet",
      "url": "https://www.halalwallet.us",
      "logo": "https://www.halalwallet.us/mainlogo_1.png"
    },
    "license": "CC BY 4.0",
    "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
    "datePublished": "2026-07-29",
    "dateModified": "2026-07-29",
    "temporalCoverage": "2026-07/..",
    "spatialCoverage": "United States",
    "citation": "HalalWallet. \"U.S. Halal Finance Shariah Transparency & Verification Audit.\" 2026-07-29. https://www.halalwallet.us/data/halal-finance-shariah-transparency-audit-us",
    "changelog": [
      {
        "date": "2026-07-29",
        "note": "Initial public release: governance-disclosure and cost-disclosure classification for every product in the registry, derived from the July 2026 manual crawl of all provider sites."
      }
    ],
    "generatedAt": "2026-07-29T20:23:27.473Z",
    "summary": {
      "asOf": "2026-07-29",
      "totalProducts": 144,
      "totalProviders": 38,
      "governance": {
        "no_public_review": {
          "count": 10,
          "pct": 6.9
        },
        "formal_board": {
          "count": 69,
          "pct": 47.9
        },
        "other": {
          "count": 2,
          "pct": 1.4
        },
        "not_applicable": {
          "count": 4,
          "pct": 2.8
        },
        "third_party_certified": {
          "count": 29,
          "pct": 20.1
        },
        "undisclosed": {
          "count": 14,
          "pct": 9.7
        },
        "named_scholar": {
          "count": 16,
          "pct": 11.1
        }
      },
      "costDisclosure": {
        "disclosed": 59,
        "pct": 41,
        "fieldsCounted": [
          "pricing",
          "apy",
          "expenseRatio",
          "managementFee",
          "monthlyFee",
          "minDownPayment"
        ]
      },
      "freshness": {
        "recordsWithVerificationDate": 144,
        "pctVerified": 100,
        "verifiedThrough": "2026-07-29"
      },
      "byCategory": {
        "Bank Accounts": {
          "products": 11,
          "formalBoard": 10,
          "thirdParty": 0,
          "namedScholar": 0,
          "noPublicReview": 1,
          "undisclosed": 0,
          "costDisclosed": 6
        },
        "Business Financing": {
          "products": 20,
          "formalBoard": 18,
          "thirdParty": 0,
          "namedScholar": 0,
          "noPublicReview": 2,
          "undisclosed": 0,
          "costDisclosed": 9
        },
        "Education Financing": {
          "products": 2,
          "formalBoard": 0,
          "thirdParty": 0,
          "namedScholar": 0,
          "noPublicReview": 0,
          "undisclosed": 0,
          "costDisclosed": 0
        },
        "Halal Certifications": {
          "products": 4,
          "formalBoard": 0,
          "thirdParty": 0,
          "namedScholar": 0,
          "noPublicReview": 0,
          "undisclosed": 0,
          "costDisclosed": 0
        },
        "Home Financing": {
          "products": 40,
          "formalBoard": 34,
          "thirdParty": 2,
          "namedScholar": 0,
          "noPublicReview": 4,
          "undisclosed": 0,
          "costDisclosed": 15
        },
        "Insurance": {
          "products": 16,
          "formalBoard": 1,
          "thirdParty": 0,
          "namedScholar": 0,
          "noPublicReview": 1,
          "undisclosed": 14,
          "costDisclosed": 0
        },
        "Investing": {
          "products": 22,
          "formalBoard": 3,
          "thirdParty": 15,
          "namedScholar": 4,
          "noPublicReview": 0,
          "undisclosed": 0,
          "costDisclosed": 10
        },
        "Retirement": {
          "products": 4,
          "formalBoard": 0,
          "thirdParty": 3,
          "namedScholar": 1,
          "noPublicReview": 0,
          "undisclosed": 0,
          "costDisclosed": 0
        },
        "Vehicle Financing": {
          "products": 3,
          "formalBoard": 2,
          "thirdParty": 0,
          "namedScholar": 0,
          "noPublicReview": 1,
          "undisclosed": 0,
          "costDisclosed": 2
        },
        "Wills & Estate Planning": {
          "products": 19,
          "formalBoard": 0,
          "thirdParty": 9,
          "namedScholar": 9,
          "noPublicReview": 1,
          "undisclosed": 0,
          "costDisclosed": 17
        },
        "Zakat Calculator": {
          "products": 3,
          "formalBoard": 1,
          "thirdParty": 0,
          "namedScholar": 2,
          "noPublicReview": 0,
          "undisclosed": 0,
          "costDisclosed": 0
        }
      },
      "headlineFindings": [
        "Of 144 financial products tracked across 38 U.S. providers in HalalWallet's halal-finance registry, 79.2% publicly disclose some form of Shariah governance (formal board, third-party certification, or named scholars).",
        "47.9% of products are overseen by a formal, named Shariah board — the strongest governance tier.",
        "16.7% of tracked products publish no verifiable Shariah review at all (10 products where our crawl found none, 14 with no oversight information published) — a class that includes both self-described Islamic products and conventional products Muslims commonly shop.",
        "41% of products publish at least one structured cost figure (pricing, APY, expense ratio, management fee, monthly fee, or minimum down payment) on their public site.",
        "100% of product records carry a primary-source verification date; the audit is verified through 2026-07-29."
      ],
      "methodology": "Every provider site in the registry was manually crawled and archived (July 2026, evidence in HalalWallet's research library). Governance classes are derived from what each provider publicly publishes — a 'no public review' class means our crawl of the provider's own materials found no named scholar, board, fatwa, or certification, not that none exists privately. Cost disclosure counts structured cost fields only; home/auto/business financing is typically quoted per applicant, so low structured-cost disclosure in those categories reflects industry practice. See /methodology."
    }
  },
  "records": [
    {
      "provider": "Jafari Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union",
      "productName": "Savings Account",
      "category": "Bank Accounts",
      "structure": "Qard Hasan",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "apy",
        "monthlyFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.jafaricu.com/#services"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Deposit Account",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "monthlyFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/about/salaam-banking"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Salaam Business Certificate of Deposit",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/business/salaambusiness"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Salaam Business Checking",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "monthlyFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/business/salaambusiness"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Salaam Business Essentials Checking",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/business/salaambusiness"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Salaam Business Market Savings",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/business/salaambusiness"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Salaam Nonprofit Checking",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/business/salaambusiness"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Salaam Nonprofit Savings",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/business/salaambusiness"
    },
    {
      "provider": "Stearns Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/stearns-bank",
      "productName": "Savings Account",
      "category": "Bank Accounts",
      "structure": "Varies by product",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Independent Sharia Supervisory Board reviews products (Mufti Ibrahim Essa + others).\nBoard approved deposit & financing products.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "monthlyFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.stearnsbank.com/about/salaam-banking"
    },
    {
      "provider": "UIF",
      "providerProfileUrl": "https://www.halalwallet.us/providers/university-islamic-financial",
      "productName": "Deposit Account",
      "category": "Bank Accounts",
      "structure": "Agency + Mudharabah",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "monthlyFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.myuif.com/deposit-accounts/"
    },
    {
      "provider": "UIF",
      "providerProfileUrl": "https://www.halalwallet.us/providers/university-islamic-financial",
      "productName": "Savings Account",
      "category": "Bank Accounts",
      "structure": "Agency + Mudharabah",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "monthlyFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.myuif.com/deposit-accounts/"
    },
    {
      "provider": "Devon Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank",
      "productName": "Commercial Real Estate Financing",
      "category": "Business Financing",
      "structure": "Murabaha / Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.devonbank.com/faith-based-commercial-financing/"
    },
    {
      "provider": "Devon Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank",
      "productName": "Construction Financing",
      "category": "Business Financing",
      "structure": "Murabaha / Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.devonbank.com/faith-based-commercial-financing/"
    },
    {
      "provider": "Devon Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank",
      "productName": "Equipment Financing",
      "category": "Business Financing",
      "structure": "Murabaha / Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.devonbank.com/faith-based-commercial-financing/"
    },
    {
      "provider": "Devon Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/devon-bank",
      "productName": "Secured Line of Credit",
      "category": "Business Financing",
      "structure": "Murabaha / Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "The details of the initial Murabaha and Ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.devonbank.com/faith-based-commercial-financing/"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Business Fixed 504 Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Business Plus 7A Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Business Premier 7A Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Commercial Real Estate Financing",
      "category": "Business Financing",
      "structure": "Ijara / Musharakah",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon.\nShaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Investor Gold CRE Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Multifamily Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Non-Profit Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Small Business Financing",
      "category": "Business Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "Jafari Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union",
      "productName": "Equipment Financing",
      "category": "Business Financing",
      "structure": "Qard Hasan",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.jafaricu.com/#services"
    },
    {
      "provider": "Neighborhood Development Center",
      "providerProfileUrl": "https://www.halalwallet.us/providers/neighborhood-development-center",
      "productName": "Small Business Loans",
      "category": "Business Financing",
      "structure": "Islamic Financing",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "Community development lender.\nNo formal Shariah board or certification published.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
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      "costDisclosed": false,
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      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "P&L Statement Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Physician Home Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Real Estate Investor Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Renovation Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Reverse Mortgage Alternative",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Riba-to-Ijara Conversion Program",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Stated-Income Investment Property Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "USDA 100% Home Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "VA Home Financing",
      "category": "Home Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://ijaracdc.com/application/?sales=HalalWallet#gf_1"
    },
    {
      "provider": "Jafari Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union",
      "productName": "Expense Financing",
      "category": "Home Financing",
      "structure": "Qard Hasan",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.jafaricu.com/#services"
    },
    {
      "provider": "Jafari Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union",
      "productName": "Loan Refinancing",
      "category": "Home Financing",
      "structure": "Qard Hasan",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.jafaricu.com/#services"
    },
    {
      "provider": "Jafari Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union",
      "productName": "Personal Loan",
      "category": "Home Financing",
      "structure": "Qard Hasan",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.jafaricu.com/#services"
    },
    {
      "provider": "Luminate Bank",
      "providerProfileUrl": "https://www.halalwallet.us/providers/luminate-bank",
      "productName": "Home Financing (Purchase & Refinance)",
      "category": "Home Financing",
      "structure": "Ijara (Trust-Based)",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Financing structured through Ijara trust. Compliance details pending provider review.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.hudsonmurphy.com/halal-financing"
    },
    {
      "provider": "NorthCountry Federal Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/northcountry-federal-credit-union",
      "productName": "Halal Mortgage (Guidance Residential)",
      "category": "Home Financing",
      "structure": "Declining Balance Co-Ownership",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-29",
      "website": "https://www.northcountry.org/borrow/home-loans/halal-mortgages"
    },
    {
      "provider": "NorthCountry Federal Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/northcountry-federal-credit-union",
      "productName": "Personal Loan",
      "category": "Home Financing",
      "structure": "Credit Union",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "Offers a halal-loan program developed with Islamic Society of Vermont.\nNo formal Shariah board or fatwa text published on site.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-29",
      "website": "https://www.northcountry.org/resources/partners/halal-loan"
    },
    {
      "provider": "UIF",
      "providerProfileUrl": "https://www.halalwallet.us/providers/university-islamic-financial",
      "productName": "Home Financing",
      "category": "Home Financing",
      "structure": "Musharakah",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.myuif.com/home-financing/"
    },
    {
      "provider": "UIF",
      "providerProfileUrl": "https://www.halalwallet.us/providers/university-islamic-financial",
      "productName": "Renovation Financing",
      "category": "Home Financing",
      "structure": "Musharakah",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.myuif.com/renovation-financing/"
    },
    {
      "provider": "Goosehead Insurance",
      "providerProfileUrl": "https://www.halalwallet.us/providers/goosehead-insurance",
      "productName": "Auto Insurance",
      "category": "Insurance",
      "structure": "Insurance Broker",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://quotes.goosehead.com/address-details"
    },
    {
      "provider": "Goosehead Insurance",
      "providerProfileUrl": "https://www.halalwallet.us/providers/goosehead-insurance",
      "productName": "Home Insurance",
      "category": "Insurance",
      "structure": "Insurance Broker",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://quotes.goosehead.com/address-details"
    },
    {
      "provider": "Goosehead Insurance",
      "providerProfileUrl": "https://www.halalwallet.us/providers/goosehead-insurance",
      "productName": "Renters Insurance",
      "category": "Insurance",
      "structure": "Insurance Broker",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://quotes.goosehead.com/address-details"
    },
    {
      "provider": "HAYA Financial",
      "providerProfileUrl": "https://www.halalwallet.us/providers/haya-financial",
      "productName": "Holistic Life Insurance Planning",
      "category": "Insurance",
      "structure": "Insurance Advisory",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://hayafinancial.com/"
    },
    {
      "provider": "Ikhlas Insurance Group",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ikhlas-insurance-group",
      "productName": "Dental, Vision & Hearing Insurance",
      "category": "Insurance",
      "structure": "Dental/Vision/Hearing",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ikhlasinsurance.com/dental-vision-insurance/dental-vision-hearing-consultation/"
    },
    {
      "provider": "Ikhlas Insurance Group",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ikhlas-insurance-group",
      "productName": "Employer Coverage (Group Health)",
      "category": "Insurance",
      "structure": "Group Health Insurance",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ikhlasinsurance.com/group-health-insurance/group-health-insurance-consultation/"
    },
    {
      "provider": "Ikhlas Insurance Group",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ikhlas-insurance-group",
      "productName": "Individual & Family Health Insurance",
      "category": "Insurance",
      "structure": "Health Insurance",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ikhlasinsurance.com/individual-family-obamacare-health-insurance/individual-family-obamacare-health-insurance-consultation/"
    },
    {
      "provider": "Ikhlas Insurance Group",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ikhlas-insurance-group",
      "productName": "Medicare",
      "category": "Insurance",
      "structure": "Medicare",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ikhlasinsurance.com/medicare-health-insurance/medicare-health-insurance-consultation/"
    },
    {
      "provider": "Ikhlas Insurance Group",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ikhlas-insurance-group",
      "productName": "Shariah-Compliant Life Insurance",
      "category": "Insurance",
      "structure": "Halal Life Insurance",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://ikhlasinsurance.com/sharia-compliant-life-insurance/sharia-compliant-life-insurance-consultation/"
    },
    {
      "provider": "Sakinah",
      "providerProfileUrl": "https://www.halalwallet.us/providers/sakinah",
      "productName": "Sakinah Life Insurance",
      "category": "Insurance",
      "structure": "Islamic Life Insurance",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.getsakinah.com/#waitlist"
    },
    {
      "provider": "Takadao",
      "providerProfileUrl": "https://www.halalwallet.us/providers/takadao",
      "productName": "LifeDAO",
      "category": "Insurance",
      "structure": "Decentralized Takaful",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://thelifedao.io/en"
    },
    {
      "provider": "Takaful America",
      "providerProfileUrl": "https://www.halalwallet.us/providers/takaful-america",
      "productName": "Business Takaful",
      "category": "Insurance",
      "structure": "Takaful",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://takafulamerica.com/#notifyMeSection"
    },
    {
      "provider": "Takaful America",
      "providerProfileUrl": "https://www.halalwallet.us/providers/takaful-america",
      "productName": "Home Takaful",
      "category": "Insurance",
      "structure": "Takaful",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://takafulamerica.com/#notifyMeSection"
    },
    {
      "provider": "The Zebra",
      "providerProfileUrl": "https://www.halalwallet.us/providers/the-zebra",
      "productName": "Auto Insurance Comparison",
      "category": "Insurance",
      "structure": "Insurance Comparison",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.thezebra.com/auto-insurance/"
    },
    {
      "provider": "The Zebra",
      "providerProfileUrl": "https://www.halalwallet.us/providers/the-zebra",
      "productName": "Home Insurance Comparison",
      "category": "Insurance",
      "structure": "Insurance Comparison",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.thezebra.com/homeowners-insurance/"
    },
    {
      "provider": "The Zebra",
      "providerProfileUrl": "https://www.halalwallet.us/providers/the-zebra",
      "productName": "Renters Insurance Comparison",
      "category": "Insurance",
      "structure": "Insurance Comparison",
      "shariahGovernanceClass": "undisclosed",
      "shariahGovernance": "No oversight information published",
      "shariahOversightSummary": null,
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.thezebra.com/insurance/renters/start/"
    },
    {
      "provider": "Amana Funds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/amana-funds",
      "productName": "Amana Developing World Fund (AMDWX)",
      "category": "Investing",
      "structure": "Mutual Funds",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Reviewed by Amanie Advisors (independent Shariah board).\nScreened using established halal criteria.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.saturna.com/funds/halal-funds"
    },
    {
      "provider": "Amana Funds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/amana-funds",
      "productName": "Amana Growth Fund (AMAGX)",
      "category": "Investing",
      "structure": "Mutual Funds",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Reviewed by Amanie Advisors (independent Shariah board).\nScreened using established halal criteria.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.saturna.com/funds/halal-funds"
    },
    {
      "provider": "Amana Funds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/amana-funds",
      "productName": "Amana Income Fund (AMANX)",
      "category": "Investing",
      "structure": "Mutual Funds",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Reviewed by Amanie Advisors (independent Shariah board).\nScreened using established halal criteria.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.saturna.com/funds/halal-funds"
    },
    {
      "provider": "Amana Funds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/amana-funds",
      "productName": "Amana Participation Fund (AMAPX)",
      "category": "Investing",
      "structure": "Mutual Funds",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Reviewed by Amanie Advisors (independent Shariah board).\nScreened using established halal criteria.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.saturna.com/funds/halal-funds"
    },
    {
      "provider": "Azzad Asset Management",
      "providerProfileUrl": "https://www.halalwallet.us/providers/azzad-asset-management",
      "productName": "Azzad Wealth Management",
      "category": "Investing",
      "structure": "Wealth Management",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Shariyah Review Bureau certifies Azzad funds.\nAAOIFI-aligned screening methodology.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://azzadasset.com/are-we-a-good-fit/"
    },
    {
      "provider": "Manzil",
      "providerProfileUrl": "https://www.halalwallet.us/providers/manzil",
      "productName": "Manzil Russell Halal USA Broad Market ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Shariah compliance reviewed by independent advisory.\r\nProducts launching 2026.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://manzilfunds.com"
    },
    {
      "provider": "Manzil",
      "providerProfileUrl": "https://www.halalwallet.us/providers/manzil",
      "productName": "Wealth Management",
      "category": "Investing",
      "structure": null,
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Manzil’s products are reviewed by both an in-house Shariah Supervisory Board and external scholars, and they state they adhere to AAOIFI standards to ensure all financing and investment offerings remain halal.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.manzil.co/halal-invest"
    },
    {
      "provider": "Musaffa",
      "providerProfileUrl": "https://www.halalwallet.us/providers/musaffa",
      "productName": "Halal ETF Finder",
      "category": "Investing",
      "structure": "ETF Screener",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Shariah advisors include Shaikh Dr. Aznan Hasan and Mufti Faraz Adam.\nBoard continuously monitors compliance methodology.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://musaffa.com/etf-screener"
    },
    {
      "provider": "Musaffa",
      "providerProfileUrl": "https://www.halalwallet.us/providers/musaffa",
      "productName": "Musaffa Halal Stock Screener",
      "category": "Investing",
      "structure": "Stock Screener",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Shariah advisors include Shaikh Dr. Aznan Hasan and Mufti Faraz Adam.\nBoard continuously monitors compliance methodology.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://musaffa.com/stock-screener?page=1&country=US"
    },
    {
      "provider": "ShariaPortfolio",
      "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio",
      "productName": "ShariaPortfolio Express",
      "category": "Investing",
      "structure": "Wealth Management",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Sharia Advisor: Shaykh Umer Khan.\nAAOIFI-aligned screening methodology used.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://shariaportfolio.com/services/express/"
    },
    {
      "provider": "ShariaPortfolio",
      "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio",
      "productName": "ShariaPortfolio Institutional",
      "category": "Investing",
      "structure": "Wealth Management",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Sharia Advisor: Shaykh Umer Khan.\nAAOIFI-aligned screening methodology used.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://shariaportfolio.com/services/institutional/#institutional"
    },
    {
      "provider": "ShariaPortfolio",
      "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio",
      "productName": "Wealth Management",
      "category": "Investing",
      "structure": null,
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "ShariaPortfolio manages all investments in accordance with AAOIFI’s Shariah standards, ensuring every portfolio aligns with halal principles and excluding interest-based or prohibited income sources.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://shariaportfolio.com/services/access/"
    },
    {
      "provider": "SPFunds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds",
      "productName": "SP Funds Dow Jones Global Sukuk ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.sp-funds.com/spsk/"
    },
    {
      "provider": "SPFunds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds",
      "productName": "SP Funds S&P 500 Shariah Industry Exclusions ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.sp-funds.com/spus/"
    },
    {
      "provider": "SPFunds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds",
      "productName": "SP Funds S&P Global REIT Shariah ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.sp-funds.com/spre/"
    },
    {
      "provider": "SPFunds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds",
      "productName": "SP Funds S&P Global Technology ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.sp-funds.com/spte/"
    },
    {
      "provider": "SPFunds",
      "providerProfileUrl": "https://www.halalwallet.us/providers/spfunds",
      "productName": "SP Funds S&P World ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Sharia compliance overseen by Raqaba LLC as Sharia Advisor.\nAdvises on AAOIFI/Islamic standards; annual audits.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.sp-funds.com/spwo/"
    },
    {
      "provider": "Wahed Invest",
      "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest",
      "productName": "Wahed Dow Jones Islamic World ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.wahed.com/umma"
    },
    {
      "provider": "Wahed Invest",
      "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest",
      "productName": "Wahed FTSE USA Shariah ETF",
      "category": "Investing",
      "structure": "Index-based",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "expenseRatio"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.wahed.com/hlal"
    },
    {
      "provider": "Wahed Invest",
      "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest",
      "productName": "Wahed Invest Robo-Advisor",
      "category": "Investing",
      "structure": "Robo-Advisor",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.wahed.com/investing"
    },
    {
      "provider": "Zoya",
      "providerProfileUrl": "https://www.halalwallet.us/providers/zoya",
      "productName": "Zoya Brokerage Integration",
      "category": "Investing",
      "structure": "Stock Screener",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Shariah Advisors: Sheikh Joe Bradford & Sheikh Umer Khan.\nOversee screening methodology.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "managementFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://zoya.finance/?c=halalwallet&source_caller=ui&is_retargeting=true&pid=affiliates&af_xp=custom&af_reengagement_window=30d&shortlink=halalwallet&af_dp=zoya%3A%2F%2F"
    },
    {
      "provider": "Zoya",
      "providerProfileUrl": "https://www.halalwallet.us/providers/zoya",
      "productName": "Zoya Stock Screener",
      "category": "Investing",
      "structure": "Stock Screener",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Shariah Advisors: Sheikh Joe Bradford & Sheikh Umer Khan.\nOversee screening methodology.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "managementFee"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://zoya.finance/?c=halalwallet&source_caller=ui&is_retargeting=true&pid=affiliates&af_xp=custom&af_reengagement_window=30d&shortlink=halalwallet&af_dp=zoya%3A%2F%2F"
    },
    {
      "provider": "ShariaPortfolio",
      "providerProfileUrl": "https://www.halalwallet.us/providers/shariaportfolio",
      "productName": "401(k)",
      "category": "Retirement",
      "structure": "Wealth Management",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Sharia Advisor: Shaykh Umer Khan.\nAAOIFI-aligned screening methodology used.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://shariaportfolio.com/services/401k/"
    },
    {
      "provider": "Wahed Invest",
      "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest",
      "productName": "Roth IRA",
      "category": "Retirement",
      "structure": "Robo-Advisor",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.wahed.com/retirement"
    },
    {
      "provider": "Wahed Invest",
      "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest",
      "productName": "SEP IRA",
      "category": "Retirement",
      "structure": "Robo-Advisor",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.wahed.com/retirement"
    },
    {
      "provider": "Wahed Invest",
      "providerProfileUrl": "https://www.halalwallet.us/providers/wahed-invest",
      "productName": "Traditional IRA",
      "category": "Retirement",
      "structure": "Robo-Advisor",
      "shariahGovernanceClass": "third_party_certified",
      "shariahGovernance": "Third-party certification or external Shariah audit",
      "shariahOversightSummary": "Certified by Shariyah Review Bureau (SRB) (2024).\nSigned by Dr. Aznan Hasan (SRB).",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.wahed.com/retirement"
    },
    {
      "provider": "IjaraCDC",
      "providerProfileUrl": "https://www.halalwallet.us/providers/ijara-community-development",
      "productName": "Auto Financing",
      "category": "Vehicle Financing",
      "structure": "Ijara",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Advisory Board chaired by Mufti Muneer Akhoon.\nShaykh Mufti Mohammed-Umer Esmail serves as advisor.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://form.jotform.com/261095455011450"
    },
    {
      "provider": "Jafari Credit Union",
      "providerProfileUrl": "https://www.halalwallet.us/providers/jafari-credit-union",
      "productName": "Auto Financing",
      "category": "Vehicle Financing",
      "structure": "Qard Hasan",
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "No formal Shariah board or fatwa published on site.\nOperates as a no-interest credit union model.",
      "costDisclosed": false,
      "costFieldsDisclosed": [],
      "lastVerified": "2026-07-28",
      "website": "https://www.jafaricu.com/"
    },
    {
      "provider": "UIF",
      "providerProfileUrl": "https://www.halalwallet.us/providers/university-islamic-financial",
      "productName": "Auto Financing",
      "category": "Vehicle Financing",
      "structure": "Hybrid Partnership–Installment Sale",
      "shariahGovernanceClass": "formal_board",
      "shariahGovernance": "Formal Shariah board (named, standing)",
      "shariahOversightSummary": "Sharia Supervisory Board chaired by Sheikh Nizam Yaquby.\nBoard reviews/approves UIF programs; fatwas + audits published.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "minDownPayment"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.myuif.com/vehicle-financing/"
    },
    {
      "provider": "Bayaani",
      "providerProfileUrl": "https://www.halalwallet.us/providers/bayaani",
      "productName": "Islamic Prenup & Postnup",
      "category": "Wills & Estate Planning",
      "structure": null,
      "shariahGovernanceClass": "no_public_review",
      "shariahGovernance": "No public Shariah review found in our crawl",
      "shariahOversightSummary": "Reviewed by Sh. Hamzah Raza and Imam Farhan Siddiqi.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://bayaani.com/"
    },
    {
      "provider": "MinaWill",
      "providerProfileUrl": "https://www.halalwallet.us/providers/minawill",
      "productName": "Beneficiary Designations",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Site states content is reviewed and verified by qualified scholars, naming Sheikh Salim Al-Azhari and Mufti Muhammad Ibrahim Essa (AAOIFI Certified Sharia Advisor and Auditor; Faculty Member, Darul Uloom Karachi).\nNo formal board governance structure or fatwa is published (verified minawill.com, July 2026).",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.minawill.com/all/products/Beneficiary_Designations"
    },
    {
      "provider": "MinaWill",
      "providerProfileUrl": "https://www.halalwallet.us/providers/minawill",
      "productName": "Financial Power of Attorney",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Site states content is reviewed and verified by qualified scholars, naming Sheikh Salim Al-Azhari and Mufti Muhammad Ibrahim Essa (AAOIFI Certified Sharia Advisor and Auditor; Faculty Member, Darul Uloom Karachi).\nNo formal board governance structure or fatwa is published (verified minawill.com, July 2026).",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.minawill.com/all/products/FPA"
    },
    {
      "provider": "MinaWill",
      "providerProfileUrl": "https://www.halalwallet.us/providers/minawill",
      "productName": "Healthcare Directives",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Site states content is reviewed and verified by qualified scholars, naming Sheikh Salim Al-Azhari and Mufti Muhammad Ibrahim Essa (AAOIFI Certified Sharia Advisor and Auditor; Faculty Member, Darul Uloom Karachi).\nNo formal board governance structure or fatwa is published (verified minawill.com, July 2026).",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.minawill.com/all/products/advance-healthcare-directive"
    },
    {
      "provider": "MinaWill",
      "providerProfileUrl": "https://www.halalwallet.us/providers/minawill",
      "productName": "Islamic Will & Estate Plan",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Site states content is reviewed and verified by qualified scholars, naming Sheikh Salim Al-Azhari and Mufti Muhammad Ibrahim Essa (AAOIFI Certified Sharia Advisor and Auditor; Faculty Member, Darul Uloom Karachi).\nNo formal board governance structure or fatwa is published (verified minawill.com, July 2026).",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://www.minawill.com/all/products/islamic-will"
    },
    {
      "provider": "Muslim.Estate",
      "providerProfileUrl": "https://www.halalwallet.us/providers/muslim-estate",
      "productName": "Islamic Will",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Founded by Hafiz Yaser Ali, J.D. (Harvard, UC Berkeley Law).\nPlatform integrates Faraid calculations with state-specific legal compliance.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-29",
      "website": "https://muslim.estate/"
    },
    {
      "provider": "MyWassiyah",
      "providerProfileUrl": "https://www.halalwallet.us/providers/mywassiyah",
      "productName": "Islamic Will & Estate Plan",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Endorsed by named scholars listed on site.\nNo formal fatwa board or committee published.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-29",
      "website": "https://www.mywassiyah.com/mywassiyah-products/"
    },
    {
      "provider": "MyWassiyah",
      "providerProfileUrl": "https://www.halalwallet.us/providers/mywassiyah",
      "productName": "Marital Agreement",
      "category": "Wills & Estate Planning",
      "structure": "Islamic Will",
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Endorsed by named scholars listed on site.\nNo formal fatwa board or committee published.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-29",
      "website": "https://www.mywassiyah.com/mywassiyah-products/"
    },
    {
      "provider": "Nikah Prenup",
      "providerProfileUrl": "https://www.halalwallet.us/providers/nikah-prenup",
      "productName": "Islamic Prenup Template",
      "category": "Wills & Estate Planning",
      "structure": null,
      "shariahGovernanceClass": "named_scholar",
      "shariahGovernance": "Named individual scholar(s), no standing board",
      "shariahOversightSummary": "Co-developed by Sh. Joe Bradford and attorney Naveed Husain.",
      "costDisclosed": true,
      "costFieldsDisclosed": [
        "pricing"
      ],
      "lastVerified": "2026-07-28",
      "website": "https://nikahprenup.com/"
    },
    {
      "provider": "Sharia Wiz",
      "providerProfileUrl": "https://www.halalwallet.us/providers/sharia-wiz",
      "productName": "Community Property Agreement",
      "category": "Wills & Estate Planning",
      "structure": null,
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