ISMS Copilot for US fintech compliance
SOC 2 plus PCI DSS plus the GLBA Safeguards Rule plus state money-transmitter security — the real US fintech stack.
The US fintech stack, written once
- Prepare a SOC 2 Type I and Type II report — the table-stakes B2B fintech artefact
- Scope PCI DSS to where cardholder data actually lives and minimise that scope
- Implement the FTC GLBA Safeguards Rule information security program (16 CFR Part 314)
- Designate a qualified individual and run the GLBA risk assessment the amended rule requires
- Address state money-transmitter cybersecurity and incident-notification expectations (NYDFS 23 NYCRR 500 where applicable)
- Cross-map SOC 2, PCI DSS and GLBA so a single control set serves all three
Built for US fintech compliance leads
SOC 2 Trust Service Criteria mapping and Type I / Type II readiness
PCI DSS scoping, SAQ-vs-ROC guidance and segmentation strategy
GLBA Safeguards Rule program: 16 CFR 314.4 elements, qualified individual, annual reporting to the board
GLBA-mandated incident notification workflow (FTC 30-day rule)
State money-transmitter and NYDFS 500 control layering for licensed entities
Combined SOC 2 / PCI / GLBA control matrix to eliminate duplicate evidence
The US fintech stack: SOC 2 + GLBA + PCI
US fintech compliance is not one framework — it is a layered stack and customers expect all of it. SOC 2 is the report enterprise buyers demand before they integrate you; it is voluntary but commercially mandatory. PCI DSS is contractual and applies the moment cardholder data touches your environment — scope discipline is the whole game. The GLBA Safeguards Rule (16 CFR Part 314, as amended) is actual federal law for non-bank financial institutions: a written information security program, a designated qualified individual, a documented risk assessment, and FTC breach notification within 30 days. On top, state money-transmitter regimes — and NYDFS 23 NYCRR 500 if you are NY-licensed — add their own cybersecurity and reporting duties. ISMS Copilot maps SOC 2, PCI DSS and GLBA into one control set so you build the stack once, not four times.
SOC 2 readiness guidance →Selling into EU financial markets? Free DORA scope check
A US-headquartered fintech is outside DORA by default, but acting as an ICT third-party provider to in-scope EU financial entities — or operating an EU subsidiary or branch that meets the financial-entity definition — can pull you into the regime. The free DORA Applicability Checker walks the Regulation 2022/2554 scope test as a structured first pass; a starting point that complements the SOC 2 / PCI DSS / GLBA stack above where EU exposure exists, not a final legal determination.
Open the free DORA Applicability Checker →Frequently Asked Questions
Do we need all of SOC 2, PCI DSS and GLBA?
Usually yes, but for different reasons. SOC 2 is commercially required by enterprise customers. PCI DSS is contractually required by card networks once you touch cardholder data. The GLBA Safeguards Rule is federal law if you are a non-bank financial institution under the FTC's jurisdiction. ISMS Copilot helps you scope each one and map them to a single control set.
What does the GLBA Safeguards Rule actually require?
Under 16 CFR Part 314 (as amended), a written information security program with a designated qualified individual, a documented risk assessment, access controls, encryption, MFA, an incident response plan, periodic reporting to your board or governing body, and FTC notification of qualifying breaches within 30 days. ISMS Copilot walks each element — it supports your analysis and does not provide legal advice.
Does ISMS Copilot certify or attest our compliance?
No. ISMS Copilot does not issue SOC 2 reports, PCI attestations or any certification. A SOC 2 report comes from a licensed CPA firm and PCI validation from a QSA or SAQ. ISMS Copilot helps you design controls, prepare evidence and stay audit-ready across all three regimes.
Ready to streamline your compliance work?
Built for speed, accuracy, and audit-ready output.