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American Consumer Financial Innovation Network

The American Consumer Financial Innovation Network (ACFIN) is a network of Federal and State officials and regulators seeking to facilitate consumer-beneficial innovation through coordination.

Launched in September 2019, ACFIN benefits consumers by assisting Federal and State officials coordinate efforts to facilitate innovation and further shared objectives such as competition, consumer access, and financial inclusion.

In addition to promoting regulatory certainty for innovators, the network seeks to keep pace with market innovations and help ensure they are free from fraud, discrimination, and deceptive practices.

This enhanced Federal-State collaboration also promotes consistency in the regulation of consumer financial products and services, benefiting consumers and enhancing competition.

To further this partnership, ACFIN members are expected to hold joint Office Hours programs and share information on innovation-related matters, as appropriate. ACFIN members may also coordinate on No-Action Letters or Sandbox trials.

Read the ACFIN charter

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Federal and State regulators with authority over markets for consumer financial products and services may join ACFIN. Members meet at least once a year in an agreed-upon location and confer via phone at least quarterly.

Email us to join ACFIN

List of ACFIN members

Office of the Alabama Attorney General
Alaska Department of Law
Office of the Arizona Attorney General
California Department of Financial Protection and Innovation
Office of the Comptroller of the Currency
Colorado Department of Law
Colorado Division of Regulatory Agencies
Consumer Financial Protection Bureau
Florida Office of Financial Regulation
Office of the Georgia Attorney General
Georgia Department of Banking and Finance
Office of the Indiana Attorney General
The Kentucky Department of Financial Institutions
Massachusetts Division of Banks
Missouri Division of Finance
North Dakota Department of Financial Institutions
Office of the Ohio Attorney General
Ohio Department of Financial Institutions
Office of the South Carolina Attorney General
Office of the Tennessee Attorney General
Tennessee Department of Financial Institutions
Office of the Utah Attorney General
Utah Department of Financial Institutions
Washington, D.C. Division of Insurance, Securities and Banking
Wyoming Division of Banking