FinTech
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The TPRM Rewrite Isn’t a Pass for Sponsor Banks
The agencies want less checklist and more judgment. That raises the bar on your documentation. It doesn’t lower it.
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Your Sponsor Bank Will Ask for a Regulatory Map. Build It First.
A regulatory applicability matrix is the cheapest way for a fintech to show it knows which rules it lives under, and the place most gaps first…
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Switching Sponsor Banks: The Compliance Work Nobody Plans For
The commercial deal takes months. The compliance work behind it usually gets a few weeks, and customers notice.
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Your Marketing Copy Is a Compliance Document
Fintechs write marketing to win customers. Sponsor banks and their examiners read it as a list of promises.
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State Regulators Just Entered the BaaS Chat
For the past two years, BaaS enforcement has been a federal story. The FDIC issued consent orders against Blue Ridge Bank, Piermont Bank, and…
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Your Risk Assessment Is Probably Not Doing What You Think It Is
Most compliance risk assessments are completed to get them done. They satisfy an examination requirement, sit in a policy binder, and resurface 12 months…
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The Compliance Imperative for FinTechs in Bank Partnerships
When a fintech approaches a sponsor bank looking to launch a banking product, the most common question used to be about the unit economics.…
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AI Compliance Tools Are Spreading. Governance Isn’t.
Banks and fintechs are buying AI compliance tools faster than they’re building the governance to manage them. That gap is becoming an exam issue.
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What Makes a Compliance Management System Actually Work
A compliance management system is not a binder. It is not a policy framework uploaded to your document management system. It is not the…
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