Announcing the Regtech Manifesto — Financial regulation needs to convert from analog to digital design. This seminal thought piece calls for gradual, but urgent, conversion of the financial regulatory system to a “digitally-native” framework. The Manifesto is a Request for Comments (RFC). It calls for discussion about a system that will be rebuilt over time to leverage the power of digitization and make regulatory outcomes better, faster, and cheaper, all at once. Join the conversation.

AIR is a nonprofit dedicated to modernizing the financial regulatory system. We believe that the regulatory framework needs to migrate from a largely manual to a Digitally-Native Design. This will ensure financial stability, protect consumers from harm, promote financial inclusion, curtail financial crime, and enable continuous innovation.

AIR works at the intersection of technology, innovation, and regulation to help regulators better understand emerging technologies that can help improve financial health. Examples like cash-flow underwriting can expand safe and affordable credit to people with no credit history, increasing credit access and creating a more fair financial system.