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GFIN IOSCO Compliance Principles

Q: Who do these principles apply to?

They are relevant to regulators, fintech innovators, crypto service providers, and cross-border payment firms operating in sandbox environments.

Global2019Consumer Protection

Overview

The GFIN IOSCO Compliance Principles are a set of non-binding frameworks developed by the Global Financial Innovation Network (GFIN) and the International Organization of Securities Commissions (IOSCO). These principles support responsible innovation in fintech, regtech, crypto, and cross-border financial services, especially through regulatory sandboxes and cooperative supervision.
GFIN, launched in 2019, includes over 70 global regulators, while IOSCO represents securities regulators from more than 130 jurisdictions. Together, they provide guidance on proportional regulation, data sharing, risk-based oversight, and pilot testing. Though not law, the principles help align regulatory expectations across borders and improve compliance readiness for emerging technologies.

Key Obligations

Encourage cross-border experimentation through regulatory sandboxes
Promote proportional and risk-based regulatory approaches

Support responsible innovation through data sharing and oversight coordination
Enable global dialogue between fintech innovators and regulators

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Related Regulations

FATF 40 AML/CFT Recommendations

MiCA Crypto Assets Regulation

SEC Reg SCI Systems Compliance

FAQ

Are the GFIN IOSCO Compliance Principles legally binding?

No. These are voluntary, non-binding frameworks that offer guidance rather than enforceable rules.

Who do these principles apply to?

They are relevant to regulators, fintech innovators, crypto service providers, and cross-border payment firms operating in sandbox environments.

What is the main objective of GFIN?

To promote global cooperation and regulatory alignment in the oversight of financial innovation.

Do the principles cover anti-money laundering (AML)?

Yes. While not prescriptive, they encourage alignment with established AML standards like the FATF Recommendations.