Regulatory compliance is a prerequisite for a fintech company’s success. Federal, state and local governments have agencies that regulate and oversee all financial markets. These financial regulators enforce applicable laws, work to prevent market manipulation, test the competence of financial service providers, conduct regular inspections, and investigate and prosecute misconduct.
- Commodities Futures Trading Commission (CFTC)
The mission of the CFTC is to promote the integrity and resilience of the U.S. derivatives markets through sound regulation. CFTC regulates the U.S. derivatives markets, including futures and options, and protects the public from fraud, manipulation, and abusive practices in this space. - Consumer Financial Protection Bureau (CFPB)
CFPB implements and enforces federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. - Cybersecurity and Infrastructure Security Agency (CISA)
CISA partners with the public and private sector to respond to cybersecurity and infrastructure threats and to collaborate with industry to build a more resilient structure for the future. - Federal Deposit Insurance Corporation (FDIC)
The mission of the FDIC is to maintain stability and public confidence in the nation's financial system. In support of this goal, the FDIC oversees federal deposit insurance coverage and examines and supervises financial institutions for safety, soundness, and consumer protection. - Federal Reserve System
The Federal Reserve System is the central bank of the United States. The Federal Reserve conducts monetary policy, promotes the stability of the financial system and the safety and soundness of financial institutions, fosters payment and settlement system safety and efficiency, and promotes consumer protection. - Federal Trade Commission (FTC)
FTC is a bipartisan federal agency with a unique dual mission to protect consumers and promote competition. - Financial Crimes Enforcement (FinCEN)
FinCEN is a bureau of the U.S. Department of the Treasury. FinCEN’s mission is to safeguard the financial system from illicit activity, counter money laundering, and the financing of terrorism. FinCEN exercises its regulatory functions primarily under the Bank Secrecy Act. - Financial Industry Regulatory Authority (FINRA)
FINRA’s mission is to protect investors and safeguard the integrity of capital markets to ensure that everyone can invest with confidence. It accomplishes this by writing and enforcing governing rules that affect the activities of registered broker-dealer firms and registered brokers. - Internal Revenue Service (IRS)
The IRS mission is to provide America's taxpayers top quality service by helping them understand and meet their tax responsibilities and to enforce the law with integrity and fairness to all. - National Futures Association (NFA)
NFA is the self-regulatory organization serving the U.S. derivatives industry nationwide, offering innovative and effective regulatory programs. - Office of Foreign Assets Control (OFAC), US Department of the Treasury
OFAC administers and enforces economic and trade sanctions based on US foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States. - Office of the Comptroller of the Currency (OCC)
The OCC is an independent bureau of the U.S. Department of the Treasury. The OCC charters, regulates, and supervises national banks, federal savings associations, and federal branches of foreign banks. The OCC ensures that supervised financial institutions operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with laws and regulations. - Security and Exchange Commission (SEC)
The SEC is a federal government agency responsible for regulating the securities markets and protecting investors. The SEC has authority over all aspects of the securities industry. The SEC’s mission is to protect investors, maintain fair and efficient markets, and facilitate capital formation. - Society for Worldwide Interbank Financial (SWIFT)
SWIFT operates a messaging platform that connects over 11,000 banking and securities organizations, market infrastructures, and corporate customers across more than 200 countries.