Shaping the Future of Technology-Driven Financial Services and Markets

The Financial Technology Association (FTA) educates consumers, regulators, external stakeholders, and the industry on the value of technology-centered financial services and advocates for the modernization of financial regulation to support inclusion, fairness, and innovation.

FTA Member Core Principles

Our members believe in the power of technology-driven innovation to advance financial access and inclusion, efficiency and productivity, and choice and opportunity. Modern regulatory frameworks and approaches should facilitate these outcomes through forward-leaning engagement and a careful understanding of the technologies that will shape the future of finance. The following are core guiding principles that should anchor the development of consumer-centric 21st century business and regulatory models.

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Policy choices should be made to benefit consumers, not protect the status quo.


Use of data should be for clearly articulated purposes subject to meaningful informed consent and user control.

Data Security

Data should be safeguarded according to leading industry standards and best practices.


Product offerings, rates, fees, and terms should be disclosed in clear, concise, and accurate language.

Access & Inclusion

Business models should promote fair, responsible, and accessible financial services and market opportunities.

Ethical Business Standards

Industry should drive the development of enforceable standards and best practices that further these Core Principles.

Fit-For-Purpose Regulation

Policymakers should eschew regulatory moats, develop tailored and proportionate oversight models that mitigate identifiable risks, and ensure a level playing field with respect to access, privileges, and requirements for comparable activities.

Digitally-Native Regulation

Stakeholders should promote testing, pilots, and trials in order to base policy and business development on measurable outcomes; stakeholders should further support technologies that drive greater compliance efficiency and efficacy.


Policy and regulation should strive for consistency, cohesion, and coordination at the state and federal levels.


Policy and regulation should be technology-neutral and advance responsible market-enhancing and customer-centric innovation.

FTA's Commitment to Access, Equity, and Inclusion

The FTA’s guiding principle is that sound policy should provide consumer safeguards and protections, while fostering business model innovation that can deliver access to safe, inclusive, low-cost, and equitable financial products, services, and opportunities.