# Fintech licensing in United States

Source page: https://protegra.io/licensing/jurisdictions/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

- [United StatesFinancial Crimes Enforcement Network (FinCEN)FinCEN is a bureau of the U.S. Department of the Treasury and the U.S. Financial Intelligence Unit. It administers the Bank Secrecy Act, col](https://protegra.io/licensing/regulators/fincen-usa/)

## Fintech licences available in United States

### [Money transmitter / money services business (MSB)](https://protegra.io/licensing/licences/money-transmitter/)

- [MSB · United StatesRegistration of Money Services Business (Form 107 / RMSB)FinCEN](https://protegra.io/licensing/licences/money-transmitter/united-states/)

## Main laws

- [Bank Secrecy Act](https://protegra.io/licensing/laws/us-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.

Last verified: · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.