What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 5pm

FinTech Law, Cincinnati, OH (2026)

04/23/2026

The latest issue of The Financial Edge is out now → https://zurl.co/C1Pyx

This edition covers three regulatory developments every fintech company and investment adviser needs on their radar — and what your compliance program must do before the picture settles.

What's inside:

→ CFPB Workforce Cuts. The Justice Department just proposed cutting the Bureau's enforcement staff by 80% and supervision by 85%. The statutory authority doesn't shrink with the headcount. State AGs are already filling the vacuum. The supervision gap is real. The liability gap is not.

→ The SEC's Enforcement Reset. Chairman Atkins just repudiated his predecessor's program on the record — 7 crypto registration cases dismissed, off-channel communications penalties abandoned, novel legal theories explicitly rejected. But fraud, fiduciary duty, and individual accountability are fully in scope. Two-thirds of standalone actions charged individuals. The reset has sharp edges.

→ The SEC's New Crypto Taxonomy. Five categories. Four generally not securities. But the Howey test still applies — and the investment contract analysis now turns on the specificity of your representations.

→ Compliance deadlines through June 2026 — Form PF, Regulation S-P, EDGAR Next, and NTEU v. Vought litigation to watch.

→ Introducing .ai — attorney-reviewed legal documents for startups, built by FinTech Law and Rikka.

CFPB workforce cuts and compliance implications, SEC FY2025 enforcement reset, crypto asset taxonomy, compliance deadlines through June 2026, and Enzio. Download the full PDF.

04/21/2026

The SEC just repudiated its predecessor's enforcement program — on the record.

Chairman Atkins's FY2025 enforcement results aren't just a scorecard. They're a policy statement. And if your compliance program was built around the prior Commission's priorities, it needs an update.

Here's what changed:

✗ Off-channel communications cases — 95 actions and $2.3B in penalties under the prior Commission, now characterized as "no direct investor harm" and a misallocation of resources.

✗ Crypto registration cases — 7 enforcement actions dismissed, including Coinbase, Binance, and Consensys. The "are you registered?" era is over.

✗ Novel dealer definition theories — explicitly repudiated.

Here's what didn't:

→ Offering fraud — including in crypto token offerings. Unicoin's executives found this out the hard way.
→ Fiduciary duty enforcement — the Vanguard conflict of interest action and the FamilyWealth advisory agreement action are the new roadmap.
→ Individual accountability — two-thirds of standalone actions charged individuals. 119 officer and director bars obtained.
→ Self-reporting and cooperation — firms that surfaced issues early received meaningfully better outcomes.

The enforcement reset is real. But it has sharp edges.

Read the full analysis → https://zurl.co/Vw5bp

The SEC's FY2025 enforcement results signal a fundamental reset — away from volume and novel legal theories, toward fraud, individual accountability, and investor protection. Here's what it means for fintech startups and digital asset firms.

04/17/2026

Two resources dropped this week that every founder building in crypto needs to read ➡️ https://zurl.co/oruGW

1️⃣ The latest issue of The Startup Solution is out. It covers the SEC-CFTC joint interpretive release and MOU — the most significant regulatory coordination in a generation — plus the House tokenization hearing, what AI-native law firms actually look like, and compliance deadlines through June 2026. ➡️ https://zurl.co/pPLyY

2️⃣ We published a new analysis on the CLARITY Act — and why Senator Lummis is right that this is the last realistic window for federal crypto legislation before 2030. ➡️ https://zurl.co/McxBx

The two pieces tell the same story from different angles.

The SEC-CFTC harmonization framework is the most clarity the industry has ever received from regulators. But it is interpretive guidance, not statute. It carries persuasive authority — not the binding force of law. The CLARITY Act is what converts regulatory interpretation into legal certainty. And if the Senate Banking Committee markup slips past late April, that statutory foundation may not exist for years.

→ The existing framework — Howey test, state money transmitter licensing, SEC enforcement — is fully operative regardless of what Congress does.

→ Fintech compliance programs must be built for the rules that exist, not the rules that are anticipated.

→ The window is open, but not indefinitely.

Access quality FinTech resources such as the FinTech Law Blog, FinTech Law Newsletter, and FinTech Law AI Assistant Tool.

04/14/2026

The latest issue of The Startup Solution is out now → https://zurl.co/jwVMC

It covers the biggest regulatory shift of the quarter — and what it means for founders building in crypto, digital assets, and legal tech.

What's inside:

→ SEC-CFTC Harmonization. For the first time, both agencies are coordinating on digital asset oversight. One MOU. One joint interpretive release. The jurisdictional turf war that has cost crypto founders millions is ending. The clarity is real. The compliance work is not done.

→ The Tokenization Hearing. On March 25, Congress reached a bipartisan verdict: tokenized securities are coming whether the legal framework is ready or not. The CLARITY Act has weeks to move — or it waits years. $26.5B in real-world assets are already on-chain. This is not theoretical.

→ What AI-Native Law Firms Actually Look Like. When Blackstone invested $50M in Norm Ai, it validated what we have been building at FinTech Law for two years. The distinction between AI-adopting and AI-native is real — and the gap widens every year.

→ Compliance deadlines through June 2026 — Form PF, Regulation S-P, EDGAR Next, and the Regulation Crypto Assets comment window.

→ Introducing .ai — attorney-reviewed legal documents for startups, built by FinTech Law and .

SEC-CFTC harmonization framework, tokenization hearing analysis, AI-native law firms, compliance deadlines through June 2026, and introducing Enzio. Download the full PDF.

04/09/2026

On March 25, Congress held its most significant hearing on tokenized securities to date.

The conclusion wasn't legislation. It was something more foundational: a bipartisan, on-the-record acknowledgment that tokenized securities are no longer a question of if — but when.

And that the regulatory framework to govern them doesn't yet exist.

Here's what came from the hearing:

→ Broad consensus across party lines: a tokenized security is still a security. Same investor protections. Same guardrails. The technology changes the plumbing, not the obligations.

→ Two draft bills on the table. The Modernizing Markets Through Tokenization Act would require a joint SEC-CFTC study on tokenized derivatives. The Capital Markets Technology Modernization Act would let broker-dealers use blockchain-based record-keeping under existing law.

→ The CLARITY Act is the central vehicle — and the clock is tight. If the Senate Banking Committee markup slips past late April, digital asset legislation may not move again for years.

→ An underreported structural risk: a 1982 tax law may inadvertently create severe penalties for tokenized bond issuance. The global bond market is $100 trillion. The U.S. accounts for $58 trillion of that. This is not a footnote.

The tokenized real-world asset market has already reached $26.5 billion on-chain. This is not a theoretical future. It is an incoming compliance reality.

Full breakdown here — including what the hearing produced, what's still unresolved, and what fintech founders should do now → https://zurl.co/PyWrC

The House Financial Services Committee held a landmark hearing on securities tokenization on March 25, 2026. Both parties agreed tokenized securities need the same guardrails as traditional trading. Here's what fintech founders need to know.

04/07/2026

For years, the most expensive question in crypto compliance was a simple one: is my product regulated by the SEC, the CFTC, or both?

That question now has a clearer answer than ever.

On January 29, the SEC and CFTC held a joint event launching Project Crypto as a coordinated initiative. On March 11, they signed a landmark MOU. On March 17, they issued a joint interpretive release — binding on both agencies.

What this means for fintech founders:

→ Clearer jurisdictional lines. For the first time, you have official Commission-level guidance on whether your token is a security, a commodity, or something else entirely.

→ Reduced dual enforcement risk. The agencies have committed to coordinate before filing parallel actions — a real change for companies that have faced overlapping SEC and CFTC exposure.

→ Accelerated institutional adoption. BlackRock, Franklin Templeton, and Invesco are already moving on tokenization. A coherent U.S. framework is what they've been waiting for.

But this is not a compliance reprieve. The statutory authority doesn't change. The Howey analysis still applies. Non-security tokens can still become securities through investment contracts — and the analysis now turns on the specificity of your representations.

The clarity is real. The compliance work is not done.

Full breakdown here — including what harmonization actually changes, the key compliance areas to watch, and the steps to take now → https://zurl.co/bVgBr

The SEC and CFTC held a joint event on regulatory harmonization for digital assets. Learn what this means for fintech startups, cryptocurrency regulation, tokenization, and your compliance strategy.

04/02/2026

The CFPB just proposed cutting its workforce from 1,758 to 556 — including an 80% reduction in enforcement staff.

The instinct to exhale is understandable. Resist it.

The CFPB's statutory authority doesn't shrink with its headcount. The Consumer Financial Protection Act, TILA, EFTA, and federal money transmitter rules remain fully in force regardless of how many examiners are on payroll.

What actually changes:

→ State AGs and financial regulators are moving to fill the vacuum. New York, California, and Illinois have each signaled expanded consumer financial protection enforcement. A compliance program built around CFPB-primary oversight now faces a patchwork of state regulators, each with independent authority.

→ Private litigation risk rises when agency enforcement drops. Plaintiffs' attorneys watch enforcement gaps closely. Provisions your terms of service or privacy policy that a fully staffed CFPB might have flagged in an exam are now more likely to be tested in a class action.

→ The supervision gap is real. The liability gap is not.

For fintech startups and digital asset companies: this is not a compliance holiday. It is a window to build compliance infrastructure that doesn't depend on any single agency's capacity to enforce it.

We break down exactly what to do — and what not to assume — on our blog: https://zurl.co/MCIbq

The CFPB is cutting two-thirds of its workforce. Fintech startups still face full legal exposure. Here is what your compliance program must address right now.

03/30/2026

⚖️ The SEC published three major reports in a single day. Here's what they mean for your compliance program.

The March 2026 edition of The Financial Edge breaks down the findings — and translates them into action.

🔹 Active ETFs Now Rival Passive Funds in Number — and the risk profile is different. DERA confirmed higher turnover, greater derivatives usage, and lower benchmark alignment. If your compliance framework was built for passive strategies, it needs an upgrade. Rule 18f-4, Rule 6c-11, and Section 15(c) are all in play.

🔹 Fund Mergers Cut Fees, But Not Equally — DERA analyzed 1,800+ mergers and found that mixed and bond funds benefit most, equity funds least, and within-family mergers (the most common structure) showed the weakest fee impact. If a merger is on your board's agenda, this data should inform your Section 15(c) analysis.

🔹 Private Markets Now Raise Twice as Much as Public Markets — Rule 506(b) alone accounted for $1.8 trillion in FY2024 versus $28 billion in IPOs. With Chairman Atkins signaling Regulation D reform and accredited investor expansion, the regulatory tailwinds may strengthen.

🔹 The $150,000 Boilerplate Warning — The SEC charged FamilyWealth Advisers for language most firms consider routine: hedge clauses, assignment provisions, and custody obligations buried in trading authorization language. Your advisory agreement is a regulatory document. Review it before examiners do.

🔹 Compliance Corner — Critical deadlines through June 2026, including the March 31 Form ADV amendment, the June 3 Reg S-P deadline (no extension granted), and EDGAR Next enrollment.

🔹 Enzio — Startup Legal Documents, Attorney-Reviewed. 29 document types built by FinTech Law and Rikka. Startup-friendly pricing, no $25K retainer required.

The bottom line: the SEC's February reporting activity was not routine. It signals where examination and enforcement attention is heading in 2026 — and compliance programs built for yesterday's market need to catch up.

📖 Read the full March 2026 edition: https://zurl.co/ahfQT

What's the compliance obligation your team is most focused on heading into Q2? Let us know in the comments. 👇

Active ETF compliance, fund merger fee analysis, private markets capital raising, SEC hedge clause enforcement, compliance deadlines through June 2026, and Enzio. Download the full PDF.

03/26/2026

The SEC just rewrote the crypto rulebook.

After a decade of regulation-by-enforcement, the Commission's March 17 interpretive release establishes a five-part taxonomy for crypto assets — and for the first time, four of the five categories are explicitly not securities.

💲Digital commodities. Digital collectibles. Digital tools. Payment stablecoins. All outside the securities laws (with important caveats).

But here's what most commentary is missing: your token's classification is only as strong as the representations you made when you sold it. The investment contract analysis didn't disappear — it got sharper.

Three things every crypto founder should do this week:
1️⃣ Map your asset against the five categories and document why.

2️⃣ Audit every white paper, pitch deck, and Discord post for promises that could trigger Howey.
3️⃣ Define clear milestones that demonstrate when your project exits investment contract status.

The era of guessing is over. The era of proving your classification has begun.

➡️ New on the blog — we break down the five categories, the investment contract nuances most summaries are missing, and the five concrete steps to take now.
https://zurl.co/3P7pl

The SEC's March 2026 interpretive release creates a five-part crypto asset taxonomy. Learn which categories are securities, what founders must do now, and how the new framework affects your project.

03/16/2026

⚖️ 80% of Legal Teams Are Betting on AI. Fewer Than 15% Are Ready for It. ⚖️

The gap between AI enthusiasm and AI ex*****on is where most legal projects die — and the March 2026 edition of The Startup Solution is built to close that gap.

This is our first Tech & AI edition, and we're going deep on what disciplined AI adoption actually looks like inside a working legal practice.

Here are the highlights:

🔹 The Seven Stages of Legal AI Implementation — A proprietary framework built from two years of real-world practice, not theory. If you can't define a measurable objective before buying a tool, you're not ready to buy it.

🔹 The Small Firm Playbook That Worked — When Ad Astra Law Group lost an associate, they didn't backfill. They leaned into AI. The result? Staffing costs down 27%. A 45-page complaint drafted in hours instead of days. Profitability up.

🔹 Baker McKenzie's AI Layoffs: Warning, Not Blueprint — Cutting 700+ staff and calling it innovation isn't a strategy. It's cost-cutting in a tech disguise. The firms winning with AI aren't just buying tools — they're redesigning how legal work gets done.

🔹 Compliance Corner — Critical SEC deadlines from now through June 2026, including the March 31 Form ADV amendment, the June 3 Reg S-P deadline (no extension granted), and an EDGAR Next enrollment reminder.

🔹 Introducing Enzio — Attorney-reviewed legal documents for startups, built by FinTech Law and Rikka Law. 29 document types, startup-friendly pricing, no $25K retainer required.

The bottom line: AI doesn't replace professional judgment. It removes the blank page problem so attorneys can focus on the work only they can do.

📖 Read the full March 2026 edition at https://zurl.co/i7EM6

What's your firm's biggest barrier to meaningful AI adoption — tools, governance, culture, or something else? Let us know in the comments. 👇

Fintech Law - Trusted partner for Fintech legal services, SEC compliance, startup counsel startup compliance, private funds, blockchain, RIA, IP, and more.

FinTech Law

04/23/2026

04/21/2026

04/17/2026

04/14/2026

04/09/2026

04/07/2026

04/02/2026

03/30/2026

03/26/2026

03/16/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm