State money-transmitter licensing, KYC/AML, CFPB consumer-protection rules, PCI-DSS for card data, plus state usury limits if you're lending — all before traffic. Comply Code maps your regulatory stack from a single URL.
A vibe-coded fintech founder shipping a savings app, lending product, or crypto-on-ramp often hasn't checked whether they need state money-transmitter licenses (50 state regimes, plus DFS in NY), whether their KYC implementation meets FinCEN's CIP rules, or whether their advertising language triggers CFPB UDAAP claims.
The fastest growth story in fintech enforcement isn't the FTC or SEC — it's state AGs and state financial regulators using new authority to act on consumer-facing apps that didn't bother with licensing. A 'we'll get the licenses later' approach has been the death of several promising fintech MVPs in 2024-2025.
Comply Code is not a substitute for a fintech compliance attorney — for that level of risk, you want both. But a scan before any paid acquisition tells you which regulatory questions to ask your lawyer first.
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