Digital Banking Compliance Services
Compliance Support for Digital Banking Companies
We work with digital banks and fintechs offering bank-like services, supporting registration, compliance design, and operational execution. Our team handles the regulatory details so you can focus on building your platform.
As seen on:
As seen on:
As seen on:
Challenges
Digital Banking Comes With Complex Compliance Hurdles
Digital Banking Comes With Complex Compliance Hurdles
Running a digital bank or banking-as-a-service platform means balancing innovation with strict oversight. Regulators can hold you to the same standards as traditional banks, but your business moves faster, relies more on tech, and often involves third parties. That adds risk and complexity.
Running a digital bank or banking-as-a-service platform means balancing innovation with strict oversight. Regulators can hold you to the same standards as traditional banks, but your business moves faster, relies more on tech, and often involves third parties. That adds risk and complexity.
Tech Moves Fast, Rules Don’t
You’re launching new features, partnering with vendors, and scaling users. But your compliance program has to keep up with requirements that don’t change nearly as fast.
Tech Moves Fast, Rules Don’t
You’re launching new features, partnering with vendors, and scaling users. But your compliance program has to keep up with requirements that don’t change nearly as fast.
Tech Moves Fast, Rules Don’t
You’re launching new features, partnering with vendors, and scaling users. But your compliance program has to keep up with requirements that don’t change nearly as fast.
Partner Risk Is Your Risk
Whether you’re offering banking services through a partner bank or hosting fintech clients, regulators expect you to manage third-party risk carefully.
Partner Risk Is Your Risk
Whether you’re offering banking services through a partner bank or hosting fintech clients, regulators expect you to manage third-party risk carefully.
Partner Risk Is Your Risk
Whether you’re offering banking services through a partner bank or hosting fintech clients, regulators expect you to manage third-party risk carefully.
Fully Online Means Fully Responsible
Onboarding, KYC, and transactions are digital. That means you need strong controls for identity, fraud, and financial crime, even without in-person contact.
Fully Online Means Fully Responsible
Onboarding, KYC, and transactions are digital. That means you need strong controls for identity, fraud, and financial crime, even without in-person contact.
Fully Online Means Fully Responsible
Onboarding, KYC, and transactions are digital. That means you need strong controls for identity, fraud, and financial crime, even without in-person contact.
Regulators
Key Agencies Overseeing Digital Banking
Digital banking businesses often operate across multiple regulatory lines. You may be working with a chartering agency, deposit insurer, consumer watchdog, and AML authority all at once. Knowing who regulates what is key to staying organized.
Frameworks
Core Compliance Frameworks in Digital Banking
Core Compliance Frameworks in Digital Banking
Running a digital banking business means working within frameworks that cover how you collect data, prevent financial crime, and treat customers. These rules apply whether you hold a charter or partner with a bank.
Running a digital banking business means working within frameworks that cover how you collect data, prevent financial crime, and treat customers. These rules apply whether you hold a charter or partner with a bank.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
Getting Your Business Off the Ground
We help with the early decisions, whether you need a license, want to partner with a bank, or are applying for a charter. We guide you through regulatory filings, business model reviews, and risk planning.
01
Getting Your Business Off the Ground
We help with the early decisions, whether you need a license, want to partner with a bank, or are applying for a charter. We guide you through regulatory filings, business model reviews, and risk planning.
02
Building Your Compliance Program
We develop the written policies, workflows, and internal controls your business needs. That includes how you monitor vendors, onboard customers, manage alerts, and keep up with changing regulations.
02
Building Your Compliance Program
We develop the written policies, workflows, and internal controls your business needs. That includes how you monitor vendors, onboard customers, manage alerts, and keep up with changing regulations.
03
Running Your Day-to-Day Compliance
Once you’re live, we help manage daily compliance work, monitoring, documentation, and keeping up with regulatory expectations.
03
Running Your Day-to-Day Compliance
Once you’re live, we help manage daily compliance work, monitoring, documentation, and keeping up with regulatory expectations.
04
Filling Key Compliance Roles
We provide outsourced personnel so you can meet regulatory or partner role requirements without hiring full-time.
04
Filling Key Compliance Roles
We provide outsourced personnel so you can meet regulatory or partner role requirements without hiring full-time.
Why InnReg
We Understand How Digital Banking Models Work
Digital banking companies often move faster than traditional banks, but the rules don’t move with them. InnReg bridges that gap. Our team has experience with startup growth, evolving business models, and complex partner structures. We fit into your existing tools and workflows, and bring a team that’s already done this before.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Case Studies
InnReg Case Studies
Resources
Latest Content
Articles
Downloads
Apr 22, 2025
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16 min read
Aug 22, 2024
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8 min read
Jun 28, 2024
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9 min read
May 22, 2024
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12 min read
Articles
Downloads
Apr 22, 2025
·
16 min read
Aug 22, 2024
·
8 min read
Jun 28, 2024
·
9 min read
May 22, 2024
·
12 min read
FAQ
Your Digital Banking Compliance Questions Answered
Your Digital Banking Compliance Questions Answered
What’s the difference between a digital bank and a traditional bank?
What’s the difference between a digital bank and a traditional bank?
If I use a BaaS provider, am I still responsible for compliance?
If I use a BaaS provider, am I still responsible for compliance?
Do I need a banking charter to launch a digital banking product?
Do I need a banking charter to launch a digital banking product?
Can digital banks outsource their AML function?
Can digital banks outsource their AML function?
Do digital banks need to follow UDAAP rules?
Do digital banks need to follow UDAAP rules?
What are the privacy rules for digital banking companies?
What are the privacy rules for digital banking companies?
Are there different rules if we serve business customers instead of consumers?
Are there different rules if we serve business customers instead of consumers?
Do digital banks have different compliance requirements?
Do digital banks have different compliance requirements?
Let's Talk About Your Compliance Needs
Let's Talk About Your Compliance Needs
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.