Who regulates fintech in the United StatesThe first thing to understand about a fintech policy overview is that oversight is split. The open banking rule that defines the momentThe clearest example of policy in motion is Section 1033, the open banking rule. For consumers and businesses, the lesson is that even a finalized rule can be reopened, and planning around financial policy means planning for change. How a fintech policy overview handles safety and soundnessNot all policy is about data. The takeaway is plain: in American fintech, policy is not the thing that happens after you build a product.