Stay ahead of compliance trends, regulatory updates, and industry best practices curated for modern fintechs.
New York requires both a BitLicense for crypto activities and a money transmitter license for fiat activities. Here is how the two licenses differ, which crypto businesses need which, and how to navigate New York's dual licensing requirements.
Not every state requires a dedicated crypto license. Here is which states have taken a lighter-touch approach to crypto licensing, why that may change, and how to factor state-by-state crypto regulation into your licensing strategy.
UDAAP — unfair, deceptive, or abusive acts or practices — is one of the broadest and most flexible consumer protection standards in financial regulation. Here are real examples of UDAAP violations in fintech and what to watch for in your own product.
Operating as an unlicensed money transmitter is a serious legal violation with significant consequences. Here is exactly what happens — state by state enforcement, federal exposure, and how to get compliant if you are already operating without a license.
A BSA audit is the independent testing requirement built into every BSA/AML compliance program. Here is what a BSA audit involves, who conducts it, what it covers, and how to prepare.
Banking as a Service allows fintechs to offer financial products through sponsor banks. Here is what BaaS compliance means, what obligations fintechs take on, and how regulators are scrutinizing BaaS relationships.
OFAC compliance requires fintechs to screen customers and transactions against U.S. sanctions lists. Here is what OFAC is, what its requirements mean for fintechs, and how to build a sanctions compliance program.
Regulation Z implements the Truth in Lending Act and governs consumer credit disclosures. Here is what Regulation Z requires, how it applies to fintech lending products, and what disclosures your credit product needs.
FinCEN added a fifth pillar to BSA compliance in 2016 — Customer Due Diligence. Here is what CDD requires, how beneficial ownership rules apply, and what fintechs need to do to comply.