NEOBANKDB
Market: US

Authority map / 14 supported markets

Find the authority. Keep the perimeter.

Financial regulation is rarely one agency, one licence or one national rule. A bank can answer to a prudential supervisor and a conduct regulator while its payment rail, investment arm, virtual-asset service and customer complaint follow different authorities. This directory maps those responsibilities without converting the regulator’s existence into a provider claim.

39 curated authority records cover 14 supported markets and 8 distinct roles. Every row retains an official source, observation date, verification state and confidence. Coverage is intentionally useful rather than legally exhaustive; it is neither a regulator ranking nor legal advice.

aml ctf13authority records
conduct24authority records
consumer protection26authority records
deposit protection2authority records
payments16authority records
prudential18authority records
securities15authority records
virtual asset10authority records

Publication boundary

A regulator record is not a provider licence.

The record answers a narrower question: which authority publicly describes responsibility for this market, role and activity? It does not say that a named neobank, wallet, payment company, broker or exchange holds a current permission. That requires an exact legal entity, activity, jurisdiction, register entry, status and observation date.

The same authority can issue several licence types, maintain separate registers or supervise one business line but not another. A group brand can contract through different entities in different markets. Never use a regulator logo, generic register result or group-level name as a substitute for the permission attached to the product a customer will actually use.

Market-scoped authority filters

Start with jurisdiction. Then narrow the activity.

39 of 39 authority recordsPage 1 of 4 · 12 records per page
  1. apra-australiaAPRA

    Australia / Australia

    Australian Prudential Regulation Authority

    Prudential licensing and supervision of authorised deposit-taking institutions, insurers and most superannuation entities; APRA also administers the Financial Claims Scheme when activated.

    prudentialdeposit protection
    Market
    Australia
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    overlapping authorities
    Review activity and authority boundaries

    Supervised activities: banks, credit unions, insurance, pensions, deposit insurance.

    Boundary: APRA's existence or an industry category does not prove that a named provider or product is authorised or covered. ASIC handles different conduct and market functions, and Financial Claims Scheme eligibility is product- and institution-specific.

    Source IDs: SRC-REG-AU-APRA-SCOPE

    Open official authority source
  2. asic-australiaASIC

    Australia / Australia

    Australian Securities and Investments Commission

    Integrated corporate, markets, financial-services and consumer-credit regulation, including licensing, registers, market integrity and conduct enforcement.

    conductsecuritiesconsumer protection
    Market
    Australia
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    overlapping authorities
    Review activity and authority boundaries

    Supervised activities: securities markets, investment services, consumer credit.

    Boundary: ASIC conduct or licensing scope is not APRA prudential supervision and does not by itself establish deposit protection, a banking authorisation or the permissions of a particular product.

    Source IDs: SRC-REG-AU-ASIC-SCOPE

    Open official authority source
  3. austrac-australiaAUSTRAC

    Australia / Australia

    Australian Transaction Reports and Analysis Centre

    Australia's anti-money-laundering and counter-terrorism-financing regulator and financial intelligence unit, including supervision of in-scope virtual-asset service providers.

    aml ctfvirtual asset
    Market
    Australia
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    activity specific authority
    Review activity and authority boundaries

    Supervised activities: virtual assets, money services.

    Boundary: AUSTRAC registration or AML/CTF supervision is not a banking, securities or investment authorisation and is not a product-safety endorsement.

    Source IDs: SRC-REG-AU-AUSTRAC-SCOPE

    Open official authority source
  4. rba-australiaRBA

    Australia / Australia

    Reserve Bank of Australia

    The Payments System Board oversees payment-system safety and efficiency, while the RBA also operates settlement infrastructure and has financial-market-infrastructure stability responsibilities.

    payments
    Market
    Australia
    Verification
    verified current scope
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    activity specific authority
    Review activity and authority boundaries

    Supervised activities: payment systems, financial market infrastructure.

    Boundary: Payment-system oversight is not a provider banking licence, consumer complaint determination or universal permission for every payment product or rail.

    Source IDs: SRC-REG-AU-RBA-PAYMENTS

    Open official authority source
  5. bcb-brazilBCB

    Brazil / Brazil

    Banco Central do Brasil

    Regulation and supervision of Brazil's national financial system and management and operation of the Brazilian payments system, alongside monetary and foreign-exchange functions.

    prudentialpayments
    Market
    Brazil
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    overlapping authorities
    Review activity and authority boundaries

    Supervised activities: banks, payment services, payment systems, money services.

    Boundary: BCB supervision does not replace CVM securities oversight and does not prove that a particular institution, product or Pix journey is authorised or available.

    Source IDs: SRC-REG-BR-BCB-SCOPE

    Open official authority source
  6. cvm-brazilCVM

    Brazil / Brazil

    Comissão de Valores Mobiliários

    Brazilian securities-market regulation and supervision focused on market integrity, efficient development and investor protection.

    securitiesconductconsumer protection
    Market
    Brazil
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    activity specific authority
    Review activity and authority boundaries

    Supervised activities: securities markets, investment services.

    Boundary: CVM securities oversight does not establish banking or payment-institution status and must not be used as proof of deposit protection.

    Source IDs: SRC-REG-BR-CVM-SCOPE

    Open official authority source
  7. bank-of-canada-retail-paymentsBoC

    Canada / Canada — federal

    Bank of Canada — Retail Payments Supervision

    Registration, supervision and enforcement for payment service providers subject to the Retail Payment Activities Act, focused on operational risk and safeguarding end-user funds.

    payments
    Market
    Canada
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    activity specific authority
    Review activity and authority boundaries

    Supervised activities: payment services.

    Boundary: This retail-payments mandate is not broad consumer dispute resolution, a bank charter, deposit insurance or proof that every applicant is registered.

    Source IDs: SRC-REG-CA-BOC-RETAIL-PAYMENTS

    Open official authority source
  8. fcac-canadaFCAC

    Canada / Canada — federal

    Financial Consumer Agency of Canada

    Supervision of federally regulated financial entities and payment-card network operators for applicable consumer-protection measures, plus financial-literacy responsibilities.

    conductconsumer protection
    Market
    Canada
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    overlapping authorities
    Review activity and authority boundaries

    Supervised activities: banks, consumer credit, payment services.

    Boundary: FCAC is not the prudential regulator and does not supervise every provincial financial product or resolve every individual dispute.

    Source IDs: SRC-REG-CA-FCAC-SCOPE

    Open official authority source
  9. osfi-canadaOSFI

    Canada / Canada — federal

    Office of the Superintendent of Financial Institutions

    Federal prudential regulation and supervision of federally regulated financial institutions and private pension plans.

    prudential
    Market
    Canada
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    overlapping authorities
    Review activity and authority boundaries

    Supervised activities: banks, insurance, pensions.

    Boundary: OSFI's federal mandate does not cover every provincially regulated entity and is separate from FCAC consumer-protection supervision, Bank of Canada retail-payments supervision and provincial securities regulation.

    Source IDs: SRC-REG-CA-OSFI-SCOPE

    Open official authority source
  10. acpr-franceACPR

    France / France within the European supervisory framework

    Autorité de contrôle prudentiel et de résolution

    Authorisation and supervision of banking and insurance institutions and intermediaries, including prudential, conduct and AML/CTF responsibilities within the European framework.

    prudentialconductconsumer protectionaml ctf
    Market
    France
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    overlapping authorities
    Review activity and authority boundaries

    Supervised activities: banks, payment services, insurance.

    Boundary: Significant-bank supervision can involve the European Central Bank, while the AMF covers French financial markets and investments. An ACPR role does not prove any particular firm's permission.

    Source IDs: SRC-REG-FR-ACPR-SCOPE

    Open official authority source
  11. amf-franceAMF

    France / France

    Autorité des marchés financiers

    Regulation of French financial markets, market participants and publicly distributed investment products, including investor information and specified digital-asset activities.

    securitiesconductvirtual assetconsumer protection
    Market
    France
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    activity specific authority
    Review activity and authority boundaries

    Supervised activities: securities markets, investment services, virtual assets.

    Boundary: AMF registration or authorisation scope differs by activity and does not establish bank status, deposit protection or ACPR prudential supervision.

    Source IDs: SRC-REG-FR-AMF-SCOPE

    Open official authority source
  12. bafin-germanyBaFin

    Germany / Germany within the European supervisory framework

    Bundesanstalt für Finanzdienstleistungsaufsicht

    Integrated supervision of banks, financial-services providers, insurers and securities trading, with collective consumer-protection, AML and national resolution responsibilities.

    prudentialconductpaymentssecuritiesvirtual assetconsumer protectionaml ctf
    Market
    Germany
    Verification
    verified current scope overlapping
    Observed
    2026-07-13
    Confidence
    high
    Overlap state
    integrated authority
    Review activity and authority boundaries

    Supervised activities: banks, payment services, securities markets, investment services, virtual assets, insurance.

    Boundary: European and Bundesbank responsibilities overlap with BaFin, and each legal entity and permission must still be checked in the applicable register; BaFin supervision is not a universal product approval.

    Source IDs: SRC-REG-DE-BAFIN-SCOPE

    Open official authority source

Role boundaries

Similar words can describe different legal jobs.

Filter labels are normalized for discovery; each authority row preserves its jurisdiction and official scope.

01

Prudential

Prudential supervision asks whether an institution is financially and operationally sound. It can cover capital, liquidity, governance, risk management, recovery and resolution. It is not the same as resolving one customer’s service complaint or approving every product offered by a supervised group.

02

Conduct and consumer protection

Conduct authorities focus on how firms sell, disclose, serve, collect, lend or handle customers. Consumer-protection powers can overlap with bank supervisors, specialist agencies, ombudsman processes and courts. A complaint route is not evidence that the firm is prudentially sound or that the customer will prevail.

03

Payments

Payment oversight can apply to system operators, service providers, settlement accounts, infrastructure, card networks or individual rules. Operating a central payment system and supervising participants are also different roles. A rail’s existence never guarantees a particular provider, direction, limit or execution time.

04

Securities and investments

Securities authorities can regulate markets, exchanges, brokers, advisers, funds, disclosure and investor conduct. A filing or registration can mean only that a document was submitted or a narrow activity is permitted. It does not make an investment safe, protect its value or turn an investment account into an insured deposit.

05

Virtual assets and AML/CTF

Virtual-asset service-provider registration, an AML/CTF record and a full market licence are not interchangeable. Some authorities supervise only financial-crime controls; others license custody, exchange or brokerage activity. State, federal, free-zone and securities rules can all remain relevant to the same platform.

06

Deposit protection

A supervisor can administer or work alongside a protection scheme, but the scheme’s coverage rules remain a separate test. Institution membership, depositor category, currency, account ownership, aggregation and product type matter. Partner-bank or pass-through models require an additional chain of evidence.

Overlapping-authority state

One market can have several correct answers.

The directory labels integrated, overlapping, activity-specific and special-economic-zone authority models. These are navigation aids, not constitutional classifications. The boundary note on each row controls because the exact perimeter can depend on charter, legal entity, activity, customer location and product.

United States / charter-led overlap

National banks, state member banks and state nonmember banks do not share one primary federal supervisor. Consumer, securities, AML and state money-transmission duties add more layers. Search the exact legal entity before drawing a conclusion.

United Kingdom / twin supervision plus payments

PRA prudential supervision and FCA conduct regulation can both apply to one bank. The PSR covers designated payment-system economics and is in a documented transition toward FCA consolidation, so its current institutional status needs launch-time review.

United Arab Emirates / federal and zone perimeters

CBUAE and SCA have onshore federal roles, while DIFC, ADGM and Dubai virtual-asset activity use distinct perimeters. A permission in one zone must not be silently extended into another.

France and Germany / European layer

National authorities operate within EU supervisory and authorisation frameworks. The European Central Bank can directly supervise significant banks, while national conduct, payment, securities and less-significant institution responsibilities remain relevant.

Verification workflow

Five checks before citing regulatory status.

The directory identifies where to start; it cannot complete a provider-level legal review.

  1. 01

    Identify the exact contracting entity.

    Capture the full legal name, registered address and product agreement. A consumer brand or parent-company name is too broad when subsidiaries hold different permissions.

  2. 02

    Fix the market and customer type.

    Residence, incorporation, branch, cross-border passport, personal or business use and special-zone location can change both the authority and applicable register.

  3. 03

    Name the regulated activity.

    Deposit-taking, e-money issuance, payment initiation, remittance, consumer credit, brokerage, custody and virtual-asset exchange are separate questions. Search the register for the activity needed, not the broadest label visible.

  4. 04

    Read the register status and conditions.

    Confirm whether the entry is current, restricted, appointed, exempt, transitional, passported, suspended or revoked. Record the reference number and date rather than paraphrasing a search-result snippet.

  5. 05

    Verify protection separately.

    Licence and supervision do not answer whether a particular balance is a deposit, safeguarded e-money, a partner-bank claim, security or virtual asset. Use the applicable scheme and product terms for that conclusion.

Operational states

Uncertainty stays visible instead of becoming a licence claim.

Interface availability and regulatory evidence are tracked separately.

Loading

Filter changes announce a loading state before the market-scoped set is replaced. The page does not flash an inferred authority while the client view updates.

Empty

A zero-result combination shows no scoped match and offers a reset. A nearby authority is not substituted merely because it regulates a similar activity.

Stale

Observation dates remain visible. A record that reaches its editorial review threshold must be rechecked before its authority scope is used in a material provider claim.

Error

Unknown countries, duplicate regulator IDs, missing sources or malformed role fields block the directory. A model cannot repair the public graph by guessing.

Unavailable

The MAS role page returned a temporary maintenance response during this evidence pass. Its row is marked medium-confidence and requires a live official-page recheck at launch.

Overlap

Multiple authorities are displayed together when responsibilities intersect. The page preserves the conflict boundary instead of selecting a universal “main regulator.”

Research ledger

Open the source before using the label.

Each authority row links to an official government, regulator or central-bank page and shows the date NeobankDB observed it. The record is stored separately from this rendered copy and validated against supported market and source IDs. No crawler or model publishes a new authority relationship directly.

This directory is a research starting point for comparison and review pages. It does not replace counsel, a regulator’s live register, applicable legislation, product agreements or a decision-time check. If the official page is unavailable, the authority changed, or two sources disagree, publication must fail closed until a reviewed record resolves the issue.

Inspect all source recordsRead the methodology