United States: FinTech

The Securities and Exchange Commission (SEC) has proposed the first registration-exempt offering pathway designed specifically for crypto assets. On August 18, 2026, the SEC proposed Regulation Crypto Assets, which would create a tailored securities offering regime for certain investment contracts involving crypto assets (covered investment contracts). The proposal represents the SEC’s first crypto-specific offering framework, signaling the SEC’s intent to establish a structured exemptive regime through rulemaking even as Congress continues to debate comprehensive digital asset legislation.

The GENIUS Act became Public Law 119-27 one year ago on July 18, 2025 (GENIUS Act — Public Law 119-27). Multiple federal regulators are preparing the regulatory framework to integrate digital money in the form of payment stablecoins into the existing conventional banking system. States are also exploring the use of stablecoins for payments and digital assets as a class of financial assets. All of this activity is building a new digital payments economy.

Fintech-bank partnerships face challenges in marketing approval timelines that can impact market opportunities. This analysis explores practical strategies to streamline the marketing approval process while maintaining necessary bank oversight and control. From due diligence considerations to contractual frameworks and operational best practices, discover how partners can work together more effectively on marketing initiatives.