Financial services

Financial services is a regulated category, and creator work in it has to be built for review and record-keeping from the first brief. The SEC's Marketing Rule permits testimonials and endorsements only under strict conditions, including required disclosures, oversight, and written agreements with any promoter compensated more than $1,000 over twelve months, and enforcement has been active: FINRA fined M1 Finance $850,000 and Public.com $350,000 over influencer programs that lacked pre-approval, archiving and supervision. We build financial creator work so that every promotional communication is reviewable, disclosed and retained.

The forward view is that finfluencer regulation is converging and tightening across jurisdictions. The FCA in the UK, the SEC and FINRA in the US, and the EU's MiCA regime for crypto assets are all treating paid financial promotion by creators as squarely within the regulatory perimeter, with liability running to both the firm and, increasingly, the creator. We design campaigns with that map in view, so that a promotion which is compliant in one market is not a violation in another.

• Compliance is involved at brief stage, not at sign-off.
• Risk warnings and disclosures are part of the creative.
• Every version and approval is kept with a date.
• Published content is archived for the required period.

Record-keeping is the backbone. When every agreement, approval, disclosure and payout lives in an authenticated system, a regulatory examination becomes a matter of producing records rather than reconstructing them. We build financial services work to be examinable by design, because in this category the ability to show your work is not optional, and the firms that cannot will not be allowed to keep doing it.