# Fintech regulatory assessment
> Source: https://legalcode.md/skills/legalcode-fintech-regulatory-assessment | [HTML version](https://legalcode.md/skills/legalcode-fintech-regulatory-assessment)

Assess fintech regulatory compliance across four major jurisdictions — US, UK, EU, and Singapore.

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.

This skill assesses the regulatory compliance posture and licensing requirements for fintech companies operating or planning to operate in the United States, United Kingdom, European Union, and Singapore. It identifies regulatory gaps, recommends licensing pathways, analyses BaaS partnership structures, and produces a prioritised remediation roadmap. **Covers:** - US money transmission: state MTL requirements across all 50+ jurisdictions, FinCEN MSB registration, exemption analysis (agent-of-payee, bank agent, de minimis) - US bank charters: national bank (OCC), state bank, ILC, thrift/FSA, special purpose fintech charter, and CUSO model — comparative analysis for fintech applicants - US BaaS: sponsor bank model, OCC/FDIC third-party risk management guidance, BSA/AML programme requirements, Regulation E obligations, UDAP/UDAAP exposure - US open banking: CFPB Section 1033 final rule (Personal Financial Data Rights), scope, timelines, data access obligations, and third-party authorisation framework - UK FCA authorisation: Authorised Payment Institution (API) vs. Small Payment Institution (SPI) vs. Authorised E-Money Institution (AEMI) vs. Small E-Money Institution (SEMI), registration vs. authorisation distinction, passporting post-Brexit, regulatory sandbox - UK open banking: CMA Order, FCA oversight of open banking, OBIE/JROC successor arrangements - EU PSD2/PSD3/PSR: current PSD2 licensing framework (AISP, PISP, ASPSP), SCA requirements, proposed PSD3 and Payment Services Regulation transition, EMD2 - EU MiCA: ...

## Jurisdictions

Global



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