+ RegTech
U.S. financial regulation is fragmented, overlapping, and unforgiving. ATA maps your exact regulator stack, builds your compliance program, and gets you operational — without years of trial and error.
The Challenge
Financial regulation in the U.S. is not one framework — it's a matrix of federal agencies, state regulators, and sector-specific rules that most foreign founders have never seen.
RegTech companies face a patchwork of overlapping regulators — SEC, FINRA, FinCEN, CFPB, OCC, and state regulators all have jurisdiction depending on your product. Missing one means exposure.
Bank Secrecy Act compliance requires a documented AML program, Customer Due Diligence (CDD) rules, and Suspicious Activity Report (SAR) filings. Foreign companies rarely have these pre-built for the U.S.
Any company touching payment flows or money movement needs Money Transmitter Licenses — issued state by state. 50 states, 50 different timelines and requirements. Most foreign founders don't know this.
Enterprise financial buyers — banks, broker-dealers, fintechs — won't integrate foreign compliance software without SOC 2, U.S. legal entity, demonstrated regulatory knowledge, and local references.
GLBA governs financial data. CCPA adds California requirements. PCI DSS applies to payment card data. State breach notification laws vary. International data transfer rules compound all of this.
How ATA Solves It
ATA acts as your U.S. compliance general contractor. We identify which regulators you answer to, build the programs they require, and coordinate the specialists needed to execute — legal, licensing, and technical compliance under one engagement.
Our team includes former government advisors, compliance attorneys, and regulatory specialists with direct experience at FinCEN, SEC, and CFPB — people who understand how the sausage is made.
Regulatory Mapping
SEC, FINRA, FinCEN, CFPB, OCC — identify your exact regulator stack
MTL Strategy
Money Transmitter License roadmap, state prioritization, filing support
AML/KYC Program Build
BSA-compliant AML policy, CDD rules, SAR workflow, FinCEN registration
SEC/FINRA Registration
Broker-dealer or RIA registration pathway, compliance manual setup
Compliance Infrastructure
SOC 2 readiness, GLBA program, data privacy framework (CCPA/state)
Gov. Relations
FinCEN, SEC, CFPB agency positioning & regulatory landscape navigation
Regulatory Map
Securities and Exchange Commission
Governs securities offerings, broker-dealer registration, investment adviser registration, and crowdfunding platforms. RegTech products serving broker-dealers, RIAs, or securities exchanges require SEC-compliant infrastructure before enterprise sales are possible.
Financial Industry Regulatory Authority
Self-regulatory body overseeing broker-dealers. RegTech compliance software must meet FINRA examination standards and be compatible with FINRA reporting requirements. Enterprise broker-dealer clients require evidence of FINRA alignment before procurement.
Financial Crimes Enforcement Network
Enforces BSA obligations including AML programs, CTR filings, SAR workflows, and KYC procedures. Any RegTech product serving money services businesses or financial institutions must integrate FinCEN requirements from day one.
Consumer Financial Protection Bureau
Regulates consumer-facing financial products. RegTech serving lenders, debt collectors, or consumer payment platforms must align with CFPB examination criteria — especially as enforcement has intensified.
Gramm-Leach-Bliley Act
Governs financial data privacy for financial institutions. RegTech handling customer financial data for banks or insurance companies must operate under GLBA-compliant data governance and security programs.
State Money Transmitter Licenses
Any RegTech product that touches payment flow, funds movement, or money transmission triggers state licensing requirements — 50 separate applications, bonds, and renewals. Missing even one creates criminal exposure under state law.
Other Industries
Get Started
Regulator stack mapped. AML program built. Licensing strategy in place. One engagement.
