🏦 Fintech & Financial Services compliance · Free audit · Generate full stack

Compliance for Fintech & Financial Services

Bank partners, card networks, regulators, and enterprise customers all demand documented controls. ComplianceIQ generates SOC 2 ISP, PCI DSS scoping, GLBA Safeguards program, vendor risk framework, and customer-facing privacy notices — built for fintech reality.

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The Fintech & Financial Services compliance stack

5 frameworks typically in scope. Click any to run the free framework-specific audit.

SOC 2 (Type 2)
Required by virtually every bank sponsor + enterprise B2B customer
Free audit →
PCI DSS v4.0.1
Mandatory if you store, process, or transmit cardholder data
Free audit →
ISO 27001:2022
Global expansion, EU bank partners, ISO-aligned customers
Free audit →
SOX (ITGCs)
Pre-IPO fintechs + public-company customers flow-down
Free audit →
CCPA / CPRA + state privacy laws
Consumer-facing fintechs hit by 19 state privacy regimes
Free audit →

The 4-document Fintech & Financial Services bundle

Generate any or all in PDF + DOCX. Maps to SOC, PCI, ISO, SOX, CCPA.

1
Information Security Policy (SOC 2 + ISO 27001 mapping)
SOC 2 / ISO 27001
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2
Incident Response Plan (incl. PCI / GLBA breach reporting)
PCI / GLBA / state
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3
Consumer Privacy Notice (CCPA + 19 state laws + GLBA)
CCPA / state
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4
Vendor Risk Management Procedure (CC9.2)
SOC 2 / FFIEC
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Who buys this

  • Compliance Lead / BSA Officer
  • CISO
  • CTO at fintech / neobank
  • VP Risk
  • General Counsel

When teams reach for ComplianceIQ

  • Bank sponsor / Banking-as-a-Service (BaaS) partner sent a controls questionnaire
  • Card network (Visa/MC) required PCI DSS attestation
  • FTC Safeguards Rule (effective June 2023) sweep
  • Series A/B diligence — investors want SOC 2 in flight
  • State money-transmitter license requires written information security program

Real fintech & financial services enforcement actions

$175M
Block / Cash App (CFPB, 2025)
Fraud + dispute handling failures
$100M
Coinbase (NYDFS, 2023)
BSA/AML compliance failures
$70M
Robinhood (FINRA, 2021)
Customer harm + tech outages — record FINRA fine
£350K
Wise (FCA, 2024)
Financial crime systems & controls weaknesses

Why fintech & financial services compliance projects fail

PCI scope creep
If your servers ever touch a PAN — even in a log file — they're in PCI scope. Tokenize at the edge (Stripe Elements / Adyen hosted) and document the network segmentation, or your scope balloons to your entire stack.
GLBA Safeguards Rule mis-scoping
The 2023 updated Safeguards Rule (16 CFR Part 314) covers far more 'financial institutions' than people realize — including some fintechs, lenders, mortgage brokers, and money-transmission startups. Penalties: $46K per violation per day.
Bank sponsor controls flow-down
BaaS partners (Column, Lead Bank, Coastal, etc.) push their regulator obligations onto you contractually. Your controls must match their FFIEC posture — and they'll audit you annually.
State money-transmitter WISP
Most states require a written information security program with named CISO, annual risk assessment, board approval. Generic SOC 2 ISP is usually not enough — needs explicit MTL clauses.

Fintech & Financial Services compliance FAQ

We use Stripe — do we still need PCI?
Yes — but you can qualify for the simplest level (SAQ A) if you fully outsource cardholder-data handling to Stripe Elements/Checkout and never touch raw PAN. You still need a documented PCI scope, network diagram, and annual SAQ submission.
What does SOC 2 cost for a fintech?
Type 1: $15K-$40K audit + 2-3 months prep. Type 2: $30K-$80K audit + 6-12 month observation period. Plus $7K-$30K/yr in compliance tooling (Vanta/Drata). Total first-year all-in: $50K-$150K for a typical seed/Series A fintech.
Bank sponsor diligence vs SOC 2 — same thing?
Overlapping but not identical. Bank sponsors demand FFIEC-aligned controls (BSA/AML, OFAC, customer ID program, complaint handling, third-party risk). SOC 2 covers infosec. You usually need both, plus a documented AML/CFT program.

Generate your Fintech & Financial Services compliance stack

Bundle pricing: 4 documents, mapped to 5 frameworks, PDF + DOCX, custom-tailored to your org. From $49/mo (unlimited).

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