No. Joining the FHR Exchange is free at the Basic tier, which is all you need to complete a client's FHR request and receive your Financial Health Rating. No credit card or payment information is required.
What the Basic tier includes
The Basic tier is free for life and includes:
In-portal viewing of your FHR Report
Access to ActionPath to model improvements to your rating
Peer Benchmarking against companies in your industry
Public FHR search
Up to 3 users on your account
10 lifetime credits and 10 lifetime FastTrack acceptances
One rating refresh per year
Paid tiers are available if you want more
Paid tiers (Essential, Pro, and Pro+) unlock additional capabilities including report downloads, more frequent rating refreshes, ActionPath sharing with clients, higher FastTrack allotments, RiskPulse, and the Financial Health Badge program.
For a side-by-side comparison of what each tier includes, see Compare Membership Tiers. For guidance on choosing a tier, see Which Package is Right for Me?.