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...rtnerships while addressing risks such as crypto-asset safekeeping. No specific enforcement action was taken against a named bank, but the guidance signals supervisory expectations for sponsor banks.

On April 7, 2026, FinCEN proposed a rule to coordinate federal banking agencies' anti-money laundering (AML) oversight, potentially limiting enforcement to serious deficiencies in banks' BSA/AML progr...

The FDIC adopted more visible and prescriptive enforcement approaches against banks involved in bank-fintech partnerships in 2025, shifting from non-public supervisory actions to more public consequen...

In January 2026, the US Treasury heightened Bank Secrecy Act/AML scrutiny on banks for fraud detection, especially involving nonprofits and government funds. This indirectly raises compliance risks fo...

The FDIC released documents related to its supervision of crypto-related activities at banks, signaling a reevaluation of earlier pauses on crypto and fintech partnerships. This reflects evolving supe...

The DOJ updated its FCPA guidelines on June 9, 2025, prioritizing banks for anti-bribery controls in international transactions. The guidance has implications for BaaS and fintech firms engaged in cro...

The OCC reaffirmed that national banks and federal savings associations can engage in crypto-asset activities without obtaining a nonobjection from the agency. This aligns with the broader rollback of...

The FDIC issued a request for information under its FDiTech initiative to reduce regulatory uncertainty for community banks partnering with fintechs. The RFI proposed a standards-setting organization ...

Ohio's banking regulator reversed course in October 2025, easing its licensing position for bank partnerships under the Small Loan Act. This represents evolving state-level regulatory guidance on BaaS...

The Financial Stability Board (FSB) issued observations in 2022 highlighting risks from Big Tech and fintech outsourcing to traditional banks, noting that complex structures complicate supervision of ...

The OCC proposed a rule in July 2020 clarifying the 'true lender' doctrine in bank-fintech lending partnerships. The rule aimed to provide uniform standards on whether the bank or its non-bank partner...

The FDIC published a final rule on parent companies of industrial banks and industrial loan companies (ILCs), establishing conditions and commitments for ILC parent companies. The rule was published i...

The Department of Justice initiated redlining investigations using HMDA data, targeting banks and non-depository lenders—including potential fintech collaborators—for mortgage discrimination. The init...

...equirements, false advertising, and misrepresentation of insured status in December 2022. The rule addresses how FDIC insurance status must be communicated, particularly relevant to fintech-bank depos...

On April 17, 2026, the OCC, Federal Reserve, and FDIC issued revised interagency guidance on model risk management, addressing vendor and third-party products. The guidance is relevant to bank-fintech...

The CFPB finalized a rule defining larger participants in the general-use digital consumer payment applications market, enabling supervision of nonbanks with 50 million or more annual transactions. Th...

GLBA Safeguards Rule amendments became effective in January 2022 with a compliance deadline of December 2022. The amendments expanded coverage to 'finders' in fintech and mandated qualified overseers ...

The CFPB proposed a rule in February 2023 to create a registry for supervised nonbanks that use restrictive form contracts, signaling heightened scrutiny of nonbank fintech practices. The rule targete...

The CFPB published a proposed rule on small business lending data collection under the Equal Credit Opportunity Act (Regulation B), with implications for fintech and bank-fintech lending partnerships.

The OCC outlined supervisory expectations for banks' use of artificial intelligence, relevant to BaaS platforms leveraging AI in lending and compliance. The guidance established standards for AI risk ...

U.S. sponsor banks grew nearly 10% year-over-year, with over 100 banks now active in the space. Success is increasingly tied to selective fintech partnerships emphasizing compliance readiness and recu...

WebBank, a US sponsor bank, partnered with UK digital lender Capital on Tap to launch an SMB credit card product. WebBank serves as the issuer and lender while Capital on Tap provides the technology p...