Regulatory and Compliance Support for Fintechs in the United States

The United States is one of the most dynamic and diverse fintech markets in the world - but it’s also one of the most complex from a regulatory standpoint. With overlapping federal and state regulations, securing and maintaining compliance is a major challenge for fast-growing fintech firms.

At Fintech Compliance, we work with US-based fintechs that are expanding into the UK market or seeking advice on aligning with FCA expectations. Our team understands the regulatory differences between the US and UK and helps clients navigate authorisation, audits, and compliance frameworks seamlessly.

Whether you're preparing to launch in the UK or strengthening your international compliance strategy, we provide clear, actionable advice tailored to your ambitions.

Our Core Services for US-Based Firms

Whether you're just starting out or scaling fast, we help US-based fintechs navigate the full regulatory lifecycle, from securing FCA authorisation to staying on top of compliance, audits, and training. Our approach is flexible, commercially informed, and shaped around your unique business model.

Our independent audits help US fintechs understand the strength of their UK-facing compliance framework, and where adjustments are needed.

Ongoing regulatory advisory and support, helping US firms maintain robust compliance practices while scaling internationally.

We support US firms in preparing high-quality FCA applications that meet the regulator’s expectations, minimising delays and maximising approval chances.

FCA Applications

COMPLY Audits

Retainer Services

Flexible support for specific compliance challenges, from regulatory updates to FCA communication and remediation projects.

Assess whether your US business model will meet FCA standards before you invest heavily in expansion.

Equip your compliance and leadership teams with tailored training on UK regulatory obligations, including SMCR, AML, and FCA principles.

COMPLY Ad-Hoc

Feasibility
Assessments

Training

APCC Membership

A Mark of Trust for US Firms Expanding to the UK

Fintech Compliance is a proud member of the Association of Professional Compliance Consultants (APCC), the only trade association recognised by the Financial Conduct Authority (FCA) for compliance consultancy firms.

For US fintechs expanding into the UK, working with an APCC member ensures you are partnering with a firm that adheres to the highest professional standards. Membership signals our commitment to ethical practice, up-to-date regulatory knowledge, and client-focused service delivery. It also means we maintain close engagement with the FCA, giving our clients confidence that they are always one step ahead of regulatory developments.

When you work with Fintech Compliance, you are choosing a trusted partner with recognised credibility in the UK regulatory environment.

Why Choose Fintech Compliance?

We specialise in helping international fintechs succeed in the UK regulatory environment. Our team understands the nuances between US and UK regulation and delivers practical advice that supports both compliance and business growth.

For our US clients, we offer clear, fixed-fee pricing with no hidden charges or unexpected invoices. Each proposal is shaped around your firm’s specific needs, level of complexity, and stage of growth. Whether you're preparing for authorisation or expanding post-approval, you’ll receive a transparent scope of work and cost from the outset.

Book a Consultation Now

Challenges for US Fintechs

We're here to help you avoid hold-ups and plow through any roadblocks that expanding to the UK can bring, such as:

Navigating UK-specific regulatory concepts such as the Senior Managers and Certification Regime (SMCR)

Meeting FCA requirements around consumer duty, financial crime prevention, and operational resilience

Adjusting to principles-based regulation versus US rules-based compliance models

Managing data protection requirements under the UK GDPR alongside US privacy laws

What Our Clients Say About Us

Testimonials

“Working with FinTech Compliance is the first time I’ve ever been able to say that dealing with compliance has been fun. The entire team has a positive, business-friendly attitude and it is always a pleasure to have Gilbert and Ryan around the office. Not only were the team able to get our FCA authorisation sorted in record time, but we also deeply appreciate their ongoing support. They make an effort to always be proactive as to how they can help us face regulatory and compliance challenges – sometimes before we’ve even realised there is a problem there to be solved!”

SAM FROMSON
(WWW.YULIFE.COM)
Co-founder & COO

Who We Work With

We partner with US payments firms, crypto platforms, alternative lenders, and neobanks planning UK market entry or growing their regulated operations internationally.