Marketing Compliance for Financial Services
In 2024, the FCA ordered 19,766 financial promotions to be amended or withdrawn — a 97.5% increase year-on-year. Regulatory scrutiny is accelerating across every jurisdiction.
Explore our regulatory guides, understand the enforcement landscape and discover how compliance automation helps mid-market firms stay ahead of changing rules.
Regulatory guides
Compliance by Regulator
United States
SEC
Securities and Exchange Commission
17a-4, Marketing Rule
Investment adviser advertising rules, WORM-compliant archiving under Rule 17a-4 and the modernised Marketing Rule.
$3.5B+ fines since 2021
European Union
MiCA
Markets in Crypto-Assets Regulation
Crypto marketing regulation
EU-wide rules for crypto-asset service provider marketing, whitepaper disclosures and consumer protection.
Deadline: 1 July 2026
EU & United Kingdom
GDPR
General Data Protection Regulation
Financial services marketing consent
Consent management, lawful basis for processing and data subject rights for financial services marketing communications.
United States
TCPA
Telephone Consumer Protection Act
SMS marketing compliance
Express written consent, opt-out requirements and autodialer rules for financial services SMS campaigns.
United Kingdom
PECR
Privacy and Electronic Communications Regulations
Email consent requirements
Electronic marketing consent rules, soft opt-in conditions and cookie requirements for UK financial firms.
More regulatory guides are on the way. Have a specific request? Let us know.
The enforcement landscape
Why compliance cannot be an afterthought
FCA Crackdown
19,766 financial promotions amended or withdrawn in 2024 — a 97.5% increase year-on-year.
SEC Off-Channel Fines
Over $2 billion in SEC penalties since 2021 for off-channel communications and archiving failures.
MiCA Deadline
Full MiCA application from 30 December 2024. Existing crypto-asset service providers must be fully authorised by 1 July 2026.
Generic Platform Bans
Mailchimp, Klaviyo and Brevo restrict or ban financial services content entirely.
Spotzee embeds compliance into every campaign — pre-approval workflows, WORM archiving, regulator-specific content rules and full audit trails, all built in from day one.
Explore the Compliance EngineCompliance questions