State MSB patchwork. FCA and SEC simultaneously. BNPL rules that rewrote themselves twice in 2025. Fynrex maps all of it.
Fintechs operate under the most fragmented regulatory structure in financial services — state-by-state licensing obligations, cross-border dual regulation, and product-specific rulesets that change faster than any manual monitoring process can track. Fynrex maintains your obligation inventory across every jurisdiction you're licensed in.
What makes fintech regulatory compliance uniquely hard
Each state MSB license comes with its own ongoing compliance requirements — net worth thresholds, permissible investment rules, examination schedules. Changes in one state rarely mirror changes in another.
Fintech-adjacent regulation moves faster than traditional banking rules. CFPB small business lending data, open banking standards, BNPL oversight — each has a different effective date and obligation scope.
UK-US dual-regulated fintechs must track FCA and SEC/CFTC changes simultaneously — often for the same product lines — with no single tool mapping both into a unified obligation inventory.
One inventory for all your regulated markets
Whether you hold a UK Electronic Money Institution authorisation alongside US state MTLs, or you're a Singapore MPI expanding to the EU under PSD2/3, Fynrex maps changes from every regulator into one shared obligation inventory. We do not file your licence applications or act as legal counsel. We track what each regulator publishes, map it to your specific licensed activities, and surface what your compliance team needs to act on before the next examination window.
- UK: FCA, PRA — EMI, payment services, consumer credit frameworks
- US: FinCEN, CFPB, CFTC + state DFI/DOB regulators
- EU: EBA, ESMA, ECB — PSD2/3, DORA, EMIR
- APAC: MAS Singapore, HKMA, APRA Australia