Compliance & Regulatory — Updated April 2026

Built for Compliance.Designed for Trust.

We work with every major financial regulatory framework — so you don't have to worry about it.

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Click any agency card below to expand the full compliance details

Regulatory Framework Alignment

Click any card to expand full compliance details for each agency.

Regulatory Status Disclosure: Psychnex Inc. is not registered as an investment advisor (RIA), broker-dealer, bank, insurance company, or lending institution. We provide a technology platform connecting users with licensed professionals and AI-powered educational tools. Human specialists are independently licensed and individually responsible for their regulatory compliance. Contact compliance@psychnex.com with specific regulatory questions.

Real-Time Regulatory Verification APIs

All verification queries are proxied through secure Supabase Edge Functions with input validation, rate limiting, and full audit logging.

FDIC

Bank Institution Lookup

Query banks.data.fdic.gov by name or cert number. Returns active/inactive status, charter type, and financial summary.

SEC

EDGAR Company Search

Search SEC EDGAR by CIK, ticker, or company name. Returns real-time company registration data from sec.gov.

OFAC

SDN Sanctions Screening

Screen against Treasury SDN list with fuzzy match detection and automatic compliance escalation on potential matches.

FINRA

BrokerCheck Lookup

Query CRD numbers and broker status via FINRA registry. Links to official BrokerCheck disclosure pages.

NIPR

Producer License Check

Verify insurance producer licenses via NIPR registry. Validates state, status, type, and expiration.

NMLS

Consumer Access Lookup

Validate mortgage originator licenses via NMLS Consumer Access. Returns MLO status and company affiliation.

API Architecture: All regulatory API calls are routed through Supabase Edge Functions with JWT verification, input sanitization, and 24-hour response caching. User PII is never transmitted to regulatory agencies — only the verification target (bank name, CRD #, license #, entity name) is sent. Every API call is logged with timestamp, user ID, portal context, and raw response hash for audit trail. Results are stored in isolated database tables with Row-Level Security (RLS) enforced. Contact compliance@psychnex.com for API access documentation.

For Enterprise Compliance Officers

We understand that enterprise compliance teams need to conduct thorough vendor due diligence before deploying Psychnex to their workforce. The following documentation is available upon request from our compliance team.

SOC 2 Type II Report

Available Q4 2026 upon completion

Security Assessment Summary

Penetration test executive summary

Data Processing Agreement (DPA)

GDPR & CCPA-compliant DPA template

Regulatory Position Memo

Full legal analysis of regulatory status

Specialist License Verification Report

Aggregated license verification summary

Regulatory Verification API Documentation

FDIC, SEC, OFAC, FINRA, NIPR, NMLS API specs and audit trail documentation

Enterprise Compliance Package

All of the above + custom addenda

Request Compliance Documentation

We'll send you our full compliance package within 1 business day. Includes SOC 2 status, DPA, and security summary.

Contact Compliance Team

Schedule a Compliance Review Call

30-minute call with our Head of Compliance to walk through our program, answer your due diligence questions, and address any specific requirements.

compliance@psychnex.com

Continuous Compliance

Forever Learning Engine

Laws change. We adapt — automatically.

Our Forever Learning engine monitors regulatory changes across all agencies in real-time. When laws change, our platform adapts — automatically.

Whether it's a new IRS ruling, a CFPB guidance update, a state privacy law amendment, or a FINRA regulatory notice, our compliance engine ingests it, maps the impact to our platform, and queues remediation work before our team would have even read the headline.

Real-Time Regulatory Monitoring

Automated feeds from SEC, IRS, CFPB, FTC, FinCEN, CISA, and all 50 state regulators — ingested and parsed daily.

Impact Assessment Engine

AI maps each regulatory change to affected platform features and generates a remediation checklist automatically.

Specialist CE Credit Tracking

Human specialists get automatic alerts when their CE credits or license renewals are affected by new regulatory requirements.

Continuous Audit Trail

Every compliance action, policy update, and regulatory change response is logged with timestamps for audit readiness.

Specialist License Verification

License Verification Sources

  • FINRA BrokerCheck

    Series 7, 65, 66 registrations

  • CFP Board

    Certified Financial Planner® marks

  • IRS PTIN Directory

    EA and PTIN verification

  • NASBA CPA Verify

    CPA license status

  • State Licensing Databases

    Insurance & other state-issued licenses

Ongoing Monitoring

Quarterly re-verification

All active specialist licenses checked every 90 days against source databases.

Instant alert on changes

Automated monitoring for disciplinary actions, suspensions, or license lapses.

Immediate platform suspension

Specialists with lapsed or revoked licenses are suspended pending review.

User reporting channel

Report specialist concerns to specialist-compliance@psychnex.com.

Report a Compliance Concern

General Compliance

compliance@psychnex.com

Response within 2 business days

Report a Specialist

specialist-compliance@psychnex.com

Response within 5 business days

Security / Fraud

security@psychnex.com

Response within 24 hours

EU NIS2 Directive — 24-Hour Incident Notification

EU / EEA

Essential and important entities under NIS2 (Directive 2022/2555) must notify Psychnex and their national CSIRT within 24 hours of a significant cybersecurity incident.

Submit NIS2 Early Warning

If unsatisfied with Psychnex's response, escalate to the CFPB or FTC. Nothing on this page constitutes legal advice or creates a client-attorney relationship.

Privacy & Consent

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