Partner Banks and Other Chartered Institutions
Banks and other chartered institutions sit at the center of the financial services ecosystem, enabling fintechs, nonbank lenders, payments companies, and other innovators to bring products and services to market. FS Vector helps chartered institutions build and scale compliant, sustainable partnership programs while managing the regulatory expectations that come with them.
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- Bank partnership program design and management. We help banks develop and operationalize fintech partnership frameworks, including due diligence standards, ongoing oversight protocols, contractual structures, and escalation procedures that satisfy regulatory expectations.
- Regulatory advisory and compliance. We provide guidance on the full range of federal and state banking regulations applicable to chartered institutions and their partners, including BSA/AML, fair lending, CRA, consumer protection laws, and safety and soundness standards.
- Third-party risk management. We assist banks in building and maturing third-party and vendor risk management programs, including policies, procedures, and monitoring frameworks aligned with interagency guidance.
- Product design and development. We advise banks on the regulatory implications of new and evolving product offerings developed in partnership with fintechs, including deposit products, credit programs, payments infrastructure, and embedded finance solutions.
- Chartering and charter conversions. We support de novo charter applications, charter conversions, and special purpose charter strategies, including ILC applications, limited purpose bank charters, and trust company formations.
- Examinations support. We provide comprehensive support for OCC, FDIC, Federal Reserve, and state banking examinations, including mock exams, response coordination, and remediation planning and execution.
- Government relations and advocacy. We represent chartered institutions before federal and state regulators and legislators on issues affecting bank-fintech partnerships, charter policy, and the evolving regulatory framework for banking innovation.
- CFES membership. Partner banks and chartered institutions join the coalition to engage with fintech peers and help shape policy in ways that support responsible innovation.
Our partner bank and chartered institution clients include those operating across:
Community banks and regional banks engaged in fintech partnerships
Industrial loan companies (ILCs)
Trust companies and special purpose depository institutions
De novo bank formations and charter conversions
Banks serving as program managers for prepaid, lending, and payments products
Institutions pursuing Federal Reserve master account access
Banks developing embedded finance and banking-as-a-service (BaaS) infrastructure
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