2026 Compliance Guide
Fintech
Data last verified: January 2026
SOC 2 Requirements for Fintech
System and Organization Controls 2 guidance tailored to Fintech. Align your controls, testing cadence, and evidence to avoid penalties.
Annual audit, Type I (point-in-time) or Type II (12-month period)Penalties: Loss of customer trust, failed sales, no certificationIndustries: 4
PCI DSS compliance mandatory for card processing
Multiple regulatory frameworks overlapping
High-value target for sophisticated attackers
Pricing verified Q1 202645+ vendor interviews127+ data sourcesUpdated monthly
Required controls and tests
Testing cadence: Annual audit, Type I (point-in-time) or Type II (12-month period)
Evidence: Map findings to PCI DSS, SOC 2, SOX, GDPR
Risk areas: penetration-testing, vciso-services, red-team-assessment
What to prepare
PCI DSS audit approaching
Partnership requiring security attestation
Series B+ funding with institutional investors
FAQs
Does SOC 2 apply to Fintech?
AICPA framework for service organizations handling customer data It is commonly required or expected for Fintech organizations.
How often should Fintech companies test for SOC 2?
Annual audit, Type I (point-in-time) or Type II (12-month period)
What penalties are relevant for Fintech?
Loss of customer trust, failed sales, no certification
SOC 2 for Fintech
Align testing, evidence, and remediation to your regulator and auditor expectations.