A managed legal service of FISC Ventures and The Fintech Lawyer

Adaptive Compliance Architecture

We make your compliance library a “source of truth” and useful to your entire enterprise. We can fill gaps, implement updates and then keep it up to date as laws and regulations change. We stand behind it and defend you if your regulators take any issue with it.

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The Portal

Your compliance command center

Ask questions, browse your document library, and manage escalation thresholds — all powered by your firm-authored materials.

A compliance question answered from the bank's own policy, with the governing sections and a 97% Library Support Score A question the library does not cover, scored 8% and automatically escalated for attorney review Institution profile, library update schedule, the escalation threshold, and open items with who is responsible for each
25+ years
Attorney oversight from lawyers advising financial services companies
Quarterly
Your library reviewed against current law, with conforming changes
Every answer
Cites your own policies and shows its Library Support Score
Below 70%
Answers the library can't support are escalated to counsel
Who It's For

Built for regulated financial services

Every financial services company needs a compliance library they can trust. Adaptive Compliance Architecture makes sure your library is tailored to your business and products and is kept up to date.

Banks and credit unions

Your regulators will appreciate you having a compliance library that is current, matched to your business, and kept up to date as your business changes and the law evolves.

Fintechs and MSBs

Your partner banks and your regulators will appreciate you having a compliance library that is current, matched to your business, and kept up to date as your business changes and the law evolves. We can provide assurance letters to confirm that we’ve reviewed your library, filled any gaps, and are actively keeping it up to date.

The Three Components

How it works

Three integrated components form a complete compliance management system.

01

Regulatory Design

We can give you a comprehensive legal opinion analyzing your products and business lines and explaining how your products and services can be offered in a compliant way. This is valuable for several reasons:

  • Helps secure regulatory approvals for licenses and charters
  • Helps auditors and examiners deliver clean reviews
  • Helps you obtain and keep partner bank relationships
  • Gives investors confidence and helps raise capital
02

“Source of Truth” Compliance Library

Most institutions make minimal use of their compliance library because it is compiled to satisfy external requirements; not to actually guide day-to-day compliance. Libraries are usually updated infrequently and generally aren’t trusted as a “source of truth.” We change all that.

  • We inventory your library of policies, procedures, manuals and templates and identify gaps. We help you fill those gaps with documents tailored to your business and your specific compliance needs.
  • We bring your library up to date with laws and regulations that govern your business.
  • We keep your library up to date by reviewing all applicable laws on a quarterly basis and then helping you implement conforming changes to your library.
  • Because you now trust your library, the AI search functionality we give you (#03) adds significant value to your entire enterprise. You use what you trust, enterprise compliance improves and risk is reduced.
03

AI Client Portal

We provide you with an AI-powered portal where anyone in your enterprise can query your “source of truth” compliance library and get exact answers to questions.

  • Queries are limited to your “source of truth” compliance library
  • Confidence level explicit in every answer
  • Query logs maintained for review by your compliance and legal teams
  • Low confidence answers are escalated to legal and compliance teams so they can supplement the compliance library to provide high confidence answers
  • Compliance training can be highly tailored and created by AI in real time
  • API access for automated systems
Why Fiscl.ai

Trustworthy, “source of truth” compliance answers tailored to your exact business and products. Overseen by experienced attorneys who stand behind it.

Our service offers significant advantages over traditional law firm work product (“TradLaw”) as well as pure software or AI offerings that are not actively overseen and backed by experienced attorneys.

TradLaw RegTech Software In-House AI Fiscl.ai
Kept current as the law changes ✕ ✕
Usable by all teams and systems ✕
Carries a lawyer's accountability ✕ ✕
The firm defends it if challenged ✕ ✕ ✕

Current

Quarterly automated monitoring against LexisNexis detects changes in cited laws and triggers updates -- your compliance library is regularly and rigorously updated.

Usable

An AI portal lets your team ask compliance questions, generate training, and complete templates -- accessible to people and software alike.

Supported

Backed by the firm that wrote it. Attorney-authored analysis carries professional responsibility -- and the firm defends you if challenged.

The only compliance provider that defends what it builds.

If your product draws regulatory criticism or enforcement action is threatened, our attorneys provide your defense. No other approach offers this.

Engagement Models

Three ways to engage

Available for a single product, multiple products, or an enterprise-wide program.

Regulatory Design

For fintech or crypto startups, or for established financial institutions adding or changing products, a comprehensive attorney-led compliance and regulatory design roadmap is essential. It ensures a tight linkage with your compliance library and goes a long way to ensuring long-term compliance and risk reduction.

Best for: Launching a new financial product or business
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Compliance Library Review & Upgrade

We assess your existing compliance library, bring it current, and fill identified gaps. We then do quarterly reviews of relevant laws and help you implement updates.

Best for: Institutions who want to strengthen their compliance function and reduce regulatory risk
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Bespoke Compliance Library

Our attorneys inventory your business and/or products and create your complete compliance library end to end.

Best for: Startups, new products and new business divisions or entities
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Confidentiality & Security

Secure by design

One source of truth

All documents maintained in NetDocuments with firm-controlled edit rights -- a single authoritative version and a clean revision history.

Best-practice access

Access from both the client side and the firm side follows current best-practice security protocols and controls.

A bounded tool

The portal works only against your materials -- the regulatory design, the compliance infrastructure, and your document repository.

Get Started

We are the best practice in compliance library management. It is too reputationally expensive and financially costly to risk having an out of date compliance library that doesn’t match your business and product offerings.

Every quarter without a “source of truth” compliance library is a quarter of potentially significant liability and regulatory exposure. Schedule a scoping call to see what Adaptive Compliance Architecture can do for you.

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