Fintech licensing in United States
In United States, fintech and crypto licences are issued by the Financial Crimes Enforcement Network (FinCEN). The Atlas covers 1 licence type there, in one family: money transmitter. Each licence page lists its legal basis, fees and decision period with sources.
Financial regulators in United States
Fintech licences available in United States
Money transmitter / money services business (MSB)
Main laws
- Bank Secrecy Act: 31 U.S.C. 5311-5314, 5316-5336 (Pub. L. 91-508, as amended); implementing rules at 31 CFR Chapter X
Path to market
Start by mapping the activities you plan to offer onto the licence types above; the activity pages show which licence permits each one. FinCEN offers an innovation hub; the regulator page explains how to use them. The application goes to FinCEN, together with the capital, governance and AML documentation the licence page lists.
Need this licence, or a different one?
Tell us your business model and target markets. We check the fit before you spend on an application, then handle the licence end to end.
A free preliminary assessment: we check your business model against the licence before you spend on an application. We handle this licence and any other fintech licence, including jurisdictions the Atlas does not cover yet.