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Payments & FinTech Lawyer

FinTech regulation in the US: Policy, implementation, and future directions

Although it boasts one of the world’s largest FinTech ecosystems, the US lags behind other major countries in providing a cohesive and consistent regulatory framework for FinTechs. Some US regulators have realised the need to act, launching initiatives with the aim of easing compliance burdens. But, the lack of coordination among federal as well as state regulators has spurred myriad conflicting statements, fragmented initiatives, and varying interpretations, all of which have inhibited the development of a comprehensive and uniform regulatory framework. This, as Ben Saul and Margaux Curie of White & Case explain, is the conclusion the US Government Accountability Office (‘GAO’) reached in its Financial Technology Report (‘Report’). Ben and Margaux use the GAO Report as a springboard to evaluate FinTech regulation in the US, in terms of policy, implementation and future directions.

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