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TechREG® Chronicle – Fintech & Crypto Bank Charters

TechREG Chronicle® January 2026

Dear Readers, Tech banking charters have returned to the center of regulatory and strategic debate, driven by the convergence of digital assets, stablecoins, and the maturation of fintech business models. Once viewed as speculative or niche, charter strategies are now being reassessed as core infrastructure choices that shape scale, credibility,...

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July

The contributions in this Chronicle explore whether existing privacy frameworks remain fit for purpose in an environment characterized by large-scale data collection, increasingly sophisticated identification technologies, and evolving theories of harm.




June

“Buy Now, Pay Later” (“BNPL”) has moved from fintech curiosity to embedded infrastructure in modern consumer markets, quietly reshaping how credit is extended, priced, and experienced. What began as a frictionless alternative to traditional lending now sits at the intersection of payments, consumer protection, and competition policy.




May

As health systems evolve beyond purely clinical data toward richer, more contextualized information environments, the integration of SDoH into AI systems raises a central tension: the same data that can improve equity and care delivery can also encode and obscure discrimination. The contributions in this issue begin to map that terrain.


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