United States: FinTech

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.

‘Crypto’ was once a niche concept but has now become commonplace. Bitcoin, Ethereum, Dogecoin, etc. are now used in everyday vernacular and are becoming more ordinary methods of payment.

Matthew Bisanz of Mayer Brown discusses the growing interest in national bank charters among cryptocurrency and digital asset companies, as well as marketplace lenders seeking industrial loan charters. The application process typically spans 18-24 months from conditional to final approval, with recent legislation appearing to target traditional de novo bank formation rather than fintech charter applications.

On June 16, the CFTC issued a Request for Information (RFI) seeking public input on whether existing CFTC regulations, guidance, orders, no-action letters, and application processes unnecessarily impede fintech firms...

The SEC has included crypto asset rulemaking in its 2026 regulatory agenda, while ESMA launches oversight of crypto custody services and Swift prepares to pilot blockchain-based tokenized deposits with 17 global banks. Meanwhile, New Hampshire considers a Bitcoin-backed bond offering and the CFTC charges a commodity pool operator with crypto-related fraud.

A distinguished panel of banking, fintech, crypto, and consumer financial services experts examines the transformative trend of fintech companies, payments firms, lenders, and crypto-native businesses seeking their own banking charters instead of relying on traditional bank partnerships. The discussion reveals how this strategic shift is fundamentally reshaping the financial services industry and what it means for nonbank financial services companies navigating regulation, growth, and market access.

On June 10, the CFTC (by the vote of its sole Commissioner) issued a notice of proposed rulemaking that would establish a framework for determining when event contracts involving gaming, war, terrorism, assassination, or unlawful activity are contrary to the public interest under the Commodity Exchange Act (CEA).

The Financial Stability Board (FSB) has published a consultation report: Sound Practices for Responsible Adoption of Artificial Intelligence (AI). The sound practices focus on AI-specific aspects and risks...

On June 10, 2026, the Commodity Futures Trading Commission (CFTC) released a significant Notice of Proposed Rulemaking (Proposed Rule) that would reshape the regulatory treatment of prediction markets under the Commodity Exchange Act (CEA).