FintechBankDisclosureAudit / report
FintechBankDisclosureAudit report: https://www.demo-fintech.example/
Demo report on a fictional sample site.
33 / 100
5 of 8 checks need attention (3 high priority).
- ✓ Observed: the page mentions FDIC deposit insurance (low): FDIC or federal deposit insurance is mentioned, so the observations below apply directly.
- ✗ Observed: a statement that the company is not a bank (high): FDIC insurance is mentioned but no "not a bank" statement was found.
- ✓ Observed: the FDIC-insured partner bank is named (high): Named: Demo Partner Bank, N.A. ("Member FDIC" present).
- ✗ Observed: the bank-failure / pass-through limitation is explained (high): No language found explaining that insurance covers only the failure of the insured bank (not the fintech) or that pass-through conditions apply.
- ✗ Observed: crypto or investment mentions have "not FDIC insured" language (medium): Crypto, investment or insurance products are mentioned on a page that mentions FDIC insurance, without "not FDIC insured" style language.
- ✓ Observed: official FDIC sign wording on a non-bank page (medium): The official sign wording was not found.
- ✗ Observed: wording that calls the company itself FDIC-insured (high): Wording such as "we are FDIC insured" was found.
- ✗ Observed: link to FDIC.gov deposit-insurance resources (low): No link to fdic.gov found.
Automated observations of the publicly served HTML of one page (text and links; footers or disclosures added later by JavaScript may not be seen). Relates to 12 CFR part 328, subpart B (FDIC rule on false advertising and misrepresentation of insured status, § 328.102), implementing 12 U.S.C. 1828(a)(4); check the FDIC's current rule text, FAQs and your partner bank's requirements. Not legal advice and not a compliance certification.