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Operational and regulatory guidance for tomorrow’s digital finance leaders
Published: December 11, 2025
The Financial Innovation and Technology for the 21st Century Act (FIT21 Act) is a landmark U.S. legislative proposal that aims to establish a comprehensive regulatory framework for digital assets. It clarifies the roles of the Securities and Exchange Commission (SEC) and Commodity Futures Trading Commission (CFTC), introduces new registration categories, and sets disclosure standards for digital asset issuers, exchanges, and intermediaries.
The FIT21 Act will reshape how digital assets are classified, traded, and disclosed. It introduces new compliance hurdles to navigate as well as strategic opportunities for banks, FinTechs and exchanges.
First Derivative offers vast experience and expertise in navigating and supporting many financial institutions and clients across evolving regulatory landscapes. We can provide comprehensive, end-to-end services to help financial institutions confidently navigate the complexities of FIT21. Our support spans regulatory interpretation, operational readiness, and strategic positioning in the evolving digital asset landscape.
FIT21 preparedness can be split into four key areas:
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First Derivative can support you in these functions and more.
Navigating FIT21 demands a partner with a blend of regulatory sophistication and industry agility – that’s where First Derivative excels. With deep expertise in regulation and governance, we offer nuanced, actionable guidance and support across complex ecosystems. First Derivative brings insight spanning the SEC, CFTC, and banking supervisory bodies, allowing us to decode overlapping regulatory mandates and anticipate enforcement priorities. Our expert teams design tailored solutions for a wide array of stakeholders including exchanges, FinTech innovators and established banking institutions – ensuring each client gets a roadmap that aligns with their business model and risk appetite. Backed by a proven track record of delivering compliance frameworks and resolving regulatory hurdles, we don’t just advise; we embed resilience, accuracy and clarity into every engagement. Whether you are launching a new product or overhauling internal controls to meet FIT21 standards, we are positioned to lead, guide and assist you confidently on your FIT21 journey.
In summary, the FIT21 Act is more than a compliance challenge, it’s a chance to lead in the next era of financial innovation. First Derivative, through its proven track record in the regulatory space and compliance, is ready to guide and support your institution with clarity, confidence, and strategic foresight.
If you’re looking to strengthen your compliance posture or prepare for what’s next, we’d love to start a conversation. Reach out to the First Derivative team.
