Regulatory library

Everything that binds Mintwell, scoped to where it operates and what it does. Synthetic and illustrative.

Why it applies

Mintwell’s synthetic operating profile includes a US wallet, stablecoin and card programme. Applicability follows activities, licences, jurisdictions and customers—not just industry labels.

How the dial uses this

Each source maps to obligations and then controls. Proposed and monitored sources are kept separate from in-force requirements. All mappings are illustrative, not legal advice.

In force

Proposed

Monitoring

StatusLayerDepartmentJurisdiction

25 of 25 sources · 1223 obligations

Regime / issuer	Status	Layer / scope	Department	Obligations	Controls
GENIUS ActCongress	In force	Statute · United States	Treasury	143	24
Payment stablecoin issuer rule (proposed)OCC	Proposed	Regulation · United States	Treasury	38	7
Bank Secrecy ActCongress	In force	Statute · United States	AML	120	20
Customer due diligence ruleFinCEN	In force	Regulation · United States	AML	44	8
Sanctions programmes and SDN listOFAC	In force	Regulation · United States	AML	39	7
Part 200 — Virtual currencies (BitLicense)NYDFS	In force	Regulation · New York	Treasury	61	11
Part 500 — CybersecurityNYDFS	In force	Regulation · New York	Security	52	9
Stablecoin backing guidanceNYDFS	In force	Guidance · New York	Treasury	18	3
Digital Financial Assets LawCalifornia DFPI	In force	Statute · California	Treasury	46	8
Dodd-Frank §1031 UDAAPCFPB	In force	Statute · United States	Consumer	27	5
Regulation E — electronic fund transfersCFPB	In force	Regulation · United States	Consumer	64	11
CCPA / CPRACalifornia AG / CPPA	In force	Statute · California	Privacy	41	7
SOX §404SEC	In force	Statute · United States	SOX	72	12
Form 1099-DA broker reportingIRS	In force	Regulation · United States	Tax	22	4
FFIEC BSA/AML examination manualFFIEC	In force	Supervisory expectation · United States	AML	31	6
FATF Recommendation 16 (Travel Rule)FATF	In force	Industry standard · International	AML	14	3
MiCA — Title III & IVESMA / EBA	In force	Regulation · European Union	Treasury	88	15
DORAEU	In force	Regulation · European Union	Security	70	12
GDPREU	In force	Statute · European Union	Privacy	58	10
EBA guidelines on ICT riskEBA	In force	Guidance · European Union	Security	21	4
PCI DSS v4.0PCI SSC	In force	Industry standard · International	Security	64	11
SOC 2 trust services criteriaAICPA	In force	Industry standard · International	Security	33	6
FINTRAC MSB regulationsFINTRAC	Monitoring	Regulation · Canada	AML	26	5
PIPEDAParliament of Canada	Monitoring	Statute · Canada	Privacy	19	4
Treasury GENIUS NPRM (comment period)US Treasury	Proposed	Regulation · United States	Treasury	12	2

Regime / issuer: GENIUS ActCongress
Status: In force
Layer / scope: Statute · United States
Department: Treasury
Obligations: 143
Controls: 24

Regime / issuer: Payment stablecoin issuer rule (proposed)OCC
Status: Proposed
Layer / scope: Regulation · United States
Department: Treasury
Obligations: 38
Controls: 7

Regime / issuer: Bank Secrecy ActCongress
Status: In force
Layer / scope: Statute · United States
Department: AML
Obligations: 120
Controls: 20

Regime / issuer: Customer due diligence ruleFinCEN
Status: In force
Layer / scope: Regulation · United States
Department: AML
Obligations: 44
Controls: 8

Regime / issuer: Sanctions programmes and SDN listOFAC
Status: In force
Layer / scope: Regulation · United States
Department: AML
Obligations: 39
Controls: 7

Regime / issuer: Part 200 — Virtual currencies (BitLicense)NYDFS
Status: In force
Layer / scope: Regulation · New York
Department: Treasury
Obligations: 61
Controls: 11

Regime / issuer: Part 500 — CybersecurityNYDFS
Status: In force
Layer / scope: Regulation · New York
Department: Security
Obligations: 52
Controls: 9

Regime / issuer: Stablecoin backing guidanceNYDFS
Status: In force
Layer / scope: Guidance · New York
Department: Treasury
Obligations: 18
Controls: 3

Regime / issuer: Digital Financial Assets LawCalifornia DFPI
Status: In force
Layer / scope: Statute · California
Department: Treasury
Obligations: 46
Controls: 8

Regime / issuer: Dodd-Frank §1031 UDAAPCFPB
Status: In force
Layer / scope: Statute · United States
Department: Consumer
Obligations: 27
Controls: 5

Regime / issuer: Regulation E — electronic fund transfersCFPB
Status: In force
Layer / scope: Regulation · United States
Department: Consumer
Obligations: 64
Controls: 11

Regime / issuer: CCPA / CPRACalifornia AG / CPPA
Status: In force
Layer / scope: Statute · California
Department: Privacy
Obligations: 41
Controls: 7

Regime / issuer: SOX §404SEC
Status: In force
Layer / scope: Statute · United States
Department: SOX
Obligations: 72
Controls: 12

Regime / issuer: Form 1099-DA broker reportingIRS
Status: In force
Layer / scope: Regulation · United States
Department: Tax
Obligations: 22
Controls: 4

Regime / issuer: FFIEC BSA/AML examination manualFFIEC
Status: In force
Layer / scope: Supervisory expectation · United States
Department: AML
Obligations: 31
Controls: 6

Regime / issuer: FATF Recommendation 16 (Travel Rule)FATF
Status: In force
Layer / scope: Industry standard · International
Department: AML
Obligations: 14
Controls: 3

Regime / issuer: MiCA — Title III & IVESMA / EBA
Status: In force
Layer / scope: Regulation · European Union
Department: Treasury
Obligations: 88
Controls: 15

Regime / issuer: DORAEU
Status: In force
Layer / scope: Regulation · European Union
Department: Security
Obligations: 70
Controls: 12

Regime / issuer: GDPREU
Status: In force
Layer / scope: Statute · European Union
Department: Privacy
Obligations: 58
Controls: 10

Regime / issuer: EBA guidelines on ICT riskEBA
Status: In force
Layer / scope: Guidance · European Union
Department: Security
Obligations: 21
Controls: 4

Regime / issuer: PCI DSS v4.0PCI SSC
Status: In force
Layer / scope: Industry standard · International
Department: Security
Obligations: 64
Controls: 11

Regime / issuer: SOC 2 trust services criteriaAICPA
Status: In force
Layer / scope: Industry standard · International
Department: Security
Obligations: 33
Controls: 6

Regime / issuer: FINTRAC MSB regulationsFINTRAC
Status: Monitoring
Layer / scope: Regulation · Canada
Department: AML
Obligations: 26
Controls: 5

Regime / issuer: PIPEDAParliament of Canada
Status: Monitoring
Layer / scope: Statute · Canada
Department: Privacy
Obligations: 19
Controls: 4

Regime / issuer: Treasury GENIUS NPRM (comment period)US Treasury
Status: Proposed
Layer / scope: Regulation · United States
Department: Treasury
Obligations: 12
Controls: 2