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Licensing and regulatory support for fintechs that cannot afford delays
Whether you are applying for a licence, answering a regulator letter or passing a banking partner’s due diligence, Hilix prepares the documents, evidence and answers that move things forward.
Licensing & Regulatory
The regulatory work that decides whether you can operate
For a payment business, licences, registrations and partner approvals are not paperwork. They decide whether you can launch, open a corridor, keep a bank account or grow into a new market. A weak application or a slow, vague response to a regulator can cost months.
Hilix brings practitioners who have prepared applications, built evidence packs and answered regulators and banks across the UK, EU, US and Canada. We help you present a business that is well controlled and well understood, and we stay with you after approval to keep obligations on track.
Services
Our Licensing & Regulatory services
Licence applications, regulator responses, readiness reviews, safeguarding, reporting and banking partner due diligence.
Fintech Licensing Support (EMI, PI, MSB)
Application preparation for EMI, payment institution and MSB licences and registrations across the UK, EU, US and Canada.
Regulatory Response Support
Clear, complete and well-evidenced responses to regulator letters, information requests, visits and findings.
Regulatory Readiness & Gap Assessment
Gap assessments, evidence packs and remediation tracking that prepare you for regulators, audits and partner reviews.
Banking & Partner Due Diligence Support
Questionnaires, evidence packs and review preparation that help you win and keep banking and payout partners.
Regulatory Reporting Support
Data preparation, review and calendars for periodic returns, threshold reports and other regulatory submissions.
Safeguarding Compliance (EMI & PI)
Safeguarding policies, daily reconciliations, audit preparation and resolution packs for EMIs and payment institutions.
Why Hilix
Why fintechs choose Hilix for Licensing & Regulatory
How we work
How we handle licensing and regulatory work
Assess
We review your model, current documentation and the requirements of the relevant regulator or partner.
Plan
A clear workplan with owners, document list, evidence needs and realistic timelines.
Prepare
We draft, review and assemble applications, responses and evidence packs with your team.
Support to close
We help answer follow-up questions and track remaining conditions until approval or closure.
FAQ
Licensing & Regulatory: frequently asked questions
Can Hilix guarantee a licence?
No adviser can guarantee a regulatory decision. What we do is make sure your application is complete, credible and well evidenced, which significantly reduces delays and follow-up questions.
Which licences do you support?
We support preparation for UK EMI and payment institution authorisations and registrations, EU EMI and PI licences, US FinCEN MSB registration and state licensing preparation, and Canadian FINTRAC MSB registration and RPAA readiness.
Do you work with law firms?
Yes. Where formal legal opinions or representation are needed, we work alongside your lawyers and focus on operational, compliance and evidence work.
Can you help after a regulator visit?
Yes. We help you understand the findings, build a remediation plan, deliver the fixes and prepare progress updates.