Regulatory Filing Services for Fintechs
From initial registrations to ongoing reporting, InnReg supports compliance filing across broker-dealers, RIAs, MSBs, lenders, and more. Whether you’re applying for a license or keeping up with changes, we manage the process so your team doesn’t have to.
The Basics
What Regulatory Filing Means for Fintechs
Regulatory filing is the process of submitting the forms and documents that regulators require to approve or monitor your business. If you're launching or operating as a broker-dealer, RIA, MSB, lender, or other regulated fintech, you’ll need to file the right information at the right time.
Compliance filing includes everything from getting your initial license to updating your records when your business changes. These filings go to agencies like the SEC, FINRA, FinCEN, or state regulators, depending on your activities. Most require detailed paperwork, and mistakes or delays can cause serious issues.
Regulators use your filings to approve, reject, or review your business.
Mistakes or missing details in filings can delay your launch or trigger follow-ups
Many filings have hard deadlines, and late submissions can lead to penalties
Filing requirements change based on your licenses, products, and jurisdictions
Regulators expect your filings to match how your business operates
Every filing becomes part of your long-term compliance history
Accurate and Complete
Agencies like FINRA and the SEC expect filings to be detailed and factually correct. Errors can cause delays or trigger reviews.
On Time
Many filings have firm deadlines, like Form ADV updates or state license renewals. Late filings can lead to fines or regulatory flags.
Updated When Things Change
You’re expected to amend filings when there’s a material change in your business, ownership, or product offering.
Consistent Across Forms
Regulators cross-check your filings. If your business description doesn’t match across forms, it raises questions.
Supported by Documentation
Many filings require attachments like procedures, org charts, or financials. Regulators expect these to be complete and customized to your business.
Regulatory Expectations
What Regulators Expect From Your Filings
Whether you’re registering a new firm or filing updates, regulators expect accurate, timely, and complete submissions. Each agency has its own rules, but most look for the same core things across fintech models.
Mistakes
Common Filing Mistakes in Fintech
Submitting forms with missing or incorrect information
Missing deadlines for updates, renewals, or amendments
Using outdated filings that don’t reflect current operations
Copying templates that don’t match your business model
Forgetting to file when expanding services or changing ownership
Leaving out required documents like procedures or org charts
Scenarios
Filing Mistakes That Can Cost Time and Credibility
These examples show how fintech filings can go off track, and how we help companies correct course with our solutions.
Scenario 1
The Issue: A crypto platform filed its MSB registration but didn’t realize they also needed multiple state licenses.
What Happened: A state regulator issued a cease-and-desist after the company launched in that jurisdiction.
How We’d Approach It: At InnReg, we’d review their complete operational footprint, identify required state licenses, and manage each filing with supporting materials tailored to that state’s rules.
Scenario 2
The Issue: A digital RIA changed its fee model but didn’t update its Form ADV.
What Happened: During an SEC exam, the mismatch triggered a deficiency letter.
How We’d Approach It: At InnReg, we would update the ADV with correct disclosures, flag other areas impacted by the change, and add a process to capture updates before they go live.
Scenario 3
The Issue: A startup broker-dealer submitted their FINRA membership application with a business plan that didn’t match their Form BD.
What Happened: FINRA delayed the review and requested clarification.
How We’d Approach It: At InnReg, we’d revise the documents to align language across all forms, prepare responses to FINRA’s questions, and adjust their WSPs to match the final plan.
Scenario 4
How We Help
How InnReg Supports Your Regulatory Filings
We take on the day-to-day work of compliance filing so your team can focus on building the business. Here’s how we help:
We Handle the Full Filing Process
From preparing forms to gathering attachments, we manage the filing workload so nothing slips through the cracks.
We Know the Rules by Regulator and Vertical
Our team works across FINRA, SEC, FinCEN, and state agencies, and we understand how fintech models impact filing requirements.
We Keep Track of Deadlines and Updates
We build filing calendars, track renewals, and flag changes that require amendments, so you’re not caught off guard.
We Align Your Filings With Your Business
We make sure your filings match what’s actually happening inside your company, not just what looks good on paper.
We Work Within Your Tools and Workflow
Whether you use Asana or another system, we plug into your setup so compliance work moves with your team, not against it.
Resources
Latest Content
Articles
Feb 19, 2026
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12 min read
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FAQ
Frequently Asked Questions
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Contact Us
Need Help Managing Your Regulatory Filings?
Compliance filing is easy to put off until a deadline, audit, or exam forces your hand. InnReg helps fintechs build a system that’s proactive, not reactive. Reach out if:
You’re prepping for your first round of regulatory filings
You need to amend or refile after a business change
A previous filing caused delays or questions from regulators
You want to offload recurring filing work from internal staff
You’re building fast and need a team that can keep up
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