
3 Lines of Defense: Compliance for Fintechs
If you are building a regulated fintech, understanding the three lines of defense in compliance is essential. Regulators, sponsor banks, and enterprise partners want to…

How to Get a Sponsor Bank for Fintechs
For many fintechs, landing a sponsor bank is one of the most important steps on the path to launch. It is also one of the…

The Hidden Risks of a Cheap Compliance Officer
If you are reading this, you are likely looking for an affordable Chief Compliance Officer (CCO). You have probably gathered a few quotes from different…

What to do when you receive a consent order
If your bank just signed a consent order with a federal banking regulator, the next 90 days will define the next two years of your…

Your sponsor bank just received a consent order. Now what?
If you run a fintech program through a sponsor bank, you may have spent the past few days fielding the same questions from your board,…

California money transmitter license: requirements, process, and what to expect
If your company moves money on behalf of customers in California, it’s likely you’ll need a money transmitter license. California is one of the most…

Key Factors Driving Fintech Growth in Today’s Market
The US economy is slowing. The instinct across banks, fintechs, and crypto companies is to pull back. The institutions that came out of the last…

SR 26-2 replaces SR 11-7: What compliance teams need to know
On April 17, 2026, the Federal Reserve, OCC, and FDIC jointly issued SR 26-2: Revised Guidance on Model Risk Management. The letter supersedes two long-standing…

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…
