Stay ahead of compliance trends, regulatory updates, and industry best practices curated for modern fintechs.
Money transmitter license fees vary significantly by state — from under $1,000 to over $5,000 in application fees alone, plus net worth and surety bond requirements that can reach six figures. This guide breaks down costs across key US states so you can budget accurately before you apply.
Account takeover (ATO) fraud occurs when criminals gain unauthorized access to existing customer accounts. This guide explains how ATO happens, the regulatory implications, and how fintechs can prevent it.
Synthetic identity fraud — where criminals combine real and fake information to create a new identity — is the fastest-growing financial crime in the US. This guide explains how it works, why it's hard to detect, and how fintechs can protect against it.
The Nationwide Multistate Licensing System (NMLS) is the technology platform used to apply for and manage money transmitter licenses across most US states. This guide explains how NMLS works, how to set up your account, and how to use it effectively.
The Gramm-Leach-Bliley Act (GLBA) requires financial institutions — including many fintechs — to protect customer financial information and provide privacy notices. This guide explains GLBA's key requirements and how they apply to fintechs.
NFTs occupy a complex regulatory space — potentially touching securities law, money transmission, AML, and consumer protection. This guide explains the current US compliance landscape for NFT businesses.
Stablecoins face a complex and evolving compliance landscape — touching money transmission, banking regulation, securities law, and consumer protection. This guide explains what stablecoin compliance requires for fintechs.
Crypto exchanges in the US may need state money transmitter licenses, a New York BitLicense, FinCEN MSB registration, or other authorizations depending on their activities. This guide explains what licenses apply to your exchange and how to get them.
Missouri requires a Money Transmitter License from the Division of Finance for fintechs transmitting money in the state. This guide covers requirements, bond amounts, fees, and the full NMLS application process.