Fintech licensing in United States
The Financial Crimes Enforcement Network (FinCEN) is the regulator behind the licence in the United States. The Atlas covers 1 licence type here. All sit in one family: money transmitter. Each licence page sets out the legal basis and fees, plus the 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
Match your activities to the licence types above; the activity pages show which licence permits each one. FinCEN runs an innovation hub, and the regulator page explains how to use it. The application goes to FinCEN. It must include the capital and governance information and the AML file that the licence page requires.
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.