Skill

legalcode-fintech-regulatory-assessment

Assess fintech regulatory compliance across four major jurisdictions — US, UK, EU, and Singapore. Covers money transmission licensing (state MTL requirements, FinCEN MSB registration, exemption analysis), UK FCA authorisation (payment institution, e-money institution, FCA regulatory sandbox), EU payments regulation (PSD2 AISP/PISP licensing, PSD3/PSR transition, EMD2, strong customer authentication), EU crypto-asset regulation (MiCA CASP licensing, e-money tokens, asset-referenced tokens), EU digital resilience (DORA applicability), Singapore MAS licensing (Payment Services Act, Standard/Major payment institution, digital payment token services), bank-as-a-service partnerships (sponsor bank model, third-party risk management, BSA/AML compliance), open banking regulatory frameworks (UK Open Banking, EU PSD2 access-to-accounts, US CFPB Section 1033 rule), and US charter selection (national bank, ILC, state bank, special purpose fintech charter). Produces a jurisdiction-specific regulatory gap assessment with COMPLIANT / PARTIAL / NON-COMPLIANT / CRITICAL severity ratings, licensing pathway recommendations, BaaS partnership risk analysis, and a prioritised remediation roadmap. Use for pre-launch regulatory readiness reviews, licensing strategy decisions, BaaS partnership due diligence, product expansion assessments, and regulatory examination preparation. Triggers on: fintech licensing, money transmission licence, MTL, MSB registration, FinCEN, payment institution, e-money institution, FCA authorisation, PSD2, PSD3, open banking, AISP, PISP, MiCA, CASP, DORA, MAS licensing, Payment Services Act, BaaS, bank-as-a-service, sponsor bank, OCC charter, ILC charter, fintech charter, BSA AML compliance, Section 1033, consumer financial data rights.