
Enterprise risk management for financial institutions
Most financial institutions manage risk in silos, and regulators have made it clear that is no longer sufficient. Enterprise risk management connects every risk your…

GLBA compliance & data privacy for financial institutions
What is the Gramm-Leach-Bliley Act? The Gramm-Leach-Bliley Act (GLBA) is the foundational federal privacy law for financial institutions. Enacted in 1999, it establishes the baseline…

Bank charter types explained
What is a bank charter? A bank charter is the legal authorization granted by a federal or state regulator that permits an institution to operate…

How to evaluate compliance automation vendors (and what the Delve scandal should teach you)
A Y Combinator-backed compliance startup raised $32 million, earned a $300 million valuation, and promised to get companies compliant in days using AI. Then a…

The complete guide to 2026 NACHA rule changes for fintechs
If your bank or fintech touches ACH payments (payroll, lending, disbursements, account funding, e-commerce), the NACHA Operating Rules updates rolling out in 2026 and beyond…

What is earned wage access?
Earned wage access (EWA), also known as early wage access or on-demand pay, allows workers to access a portion of their earned but unpaid wages…

Money transmitter licensing requirements
What is a money transmitter license? A money transmitter license is a state-issued authorization required for businesses classified as money transmitters under state and federal…

SOC 2 Compliance Checklist: Prepare for Your Audit
If you’re preparing for SOC 2 compliance, you’ve probably discovered that the process is less about checking boxes and more about building a control environment…

What is SOC 2 compliance?
SOC 2 compliance is a framework developed by the American Institute of Certified Public Accountants (AICPA) that evaluates how an organization manages customer data based…

The fintech-bank governance gap: who owns model oversight?
In the bank-fintech partnership model, there is a persistent governance gap that shows up in nearly every examination: both sides assume the other is handling…
