Middleware
Middleware companies provide the critical infrastructure that connects fintechs, banks, and other financial services participants, enabling data aggregation, API connectivity, core banking integrations, and the operational plumbing that powers modern financial products. As these firms become increasingly systemically important, they face greater regulatory scrutiny and compliance obligations. FS Vector helps middleware providers understand and navigate this evolving landscape
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- Regulatory advisory. We help middleware companies understand where and how financial services regulations apply to their products and business models, including data privacy and security requirements, open banking rules, and obligations arising from relationships with chartered institutions.
- Bank partnership and vendor program support. We assist middleware providers in structuring relationships with bank partners and financial institution clients, including contract frameworks, compliance obligations, and operational standards expected by regulated counterparties.
- Third-party risk management readiness. We prepare middleware firms for the scrutiny they face as critical vendors to regulated institutions, helping them build compliance programs, documentation practices, and audit-ready policies aligned with interagency third-party risk guidance.
- Product design and development. We advise on the regulatory implications of middleware products and features, including data aggregation and permissioned data sharing, account verification, payment initiation, identity and KYC services, and core banking connectivity.
- Open banking and data sharing compliance. We guide middleware providers through the regulatory requirements arising from the CFPB's open banking rulemaking and Section 1033 of the Dodd-Frank Act, including compliance obligations for data aggregators and API providers.
- Market entry and strategic roadmaps. Middleware companies engage us to assess regulatory risk in new markets, plan product expansions, and evaluate the compliance implications of strategic partnerships and acquisitions.
- Government relations and advocacy. We represent middleware firms before federal and state regulators and legislators on issues affecting data sharing, open banking policy, and the regulatory treatment of financial infrastructure providers.
- CFES membership. Middleware companies join the coalition to engage alongside fintechs and financial institutions in shaping the policy environment for financial services infrastructure.
Financial data aggregation and account connectivity platforms
API and integration infrastructure for banking and payments
Core banking and ledger infrastructure providers
Identity verification, KYC, and fraud detection services
Account verification and payment initiation platforms
Banking-as-a-service (BaaS) infrastructure and orchestration layers
Embedded finance enablement platforms
Compliance and RegTech infrastructure providers
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