Activities / Who the operator is

Provides financial services

provides_financial_services

The company behind your app holds a financial-services license, as a bank, lender, insurer, securities firm or payment provider, or supplies software to a firm that does.

scope role
in the registry since 1.0
103 laws in 56 jurisdictions name it

What triggers it

The lint's definition. It holds a financial-services license, or supplies software to a firm that does. Also declare the class: is_bank, is_lender, is_insurer, is_securities_firm or is_payment_provider. Moving money alone is not this.

This is a status of the company that runs or supplies the app, not a feature of the app.

Declare its license class too: Is a bank, Is a lender, Is an insurer, Is a securities firm or Is a payment provider.

Declared alone, it is answered with every class's rules, and the lint asks which class applies.

What does not

An app that only moves money or takes card payments, without holding a license or supplying a firm that does, does not count.

Often confused with Handles health records, Is a bank and Is a lender.

The law it brings into scope

The kinds of law that name this activity in the LexLint law library, with the number of laws and jurisdictions in each, as of 19 Oct 2026. The examples are chosen by rule, laws in force first and the widest jurisdiction first; each section's page lists every law.

Area of law	Laws	Jurisdictions
Cybersecurity law Build software securely, handle reported flaws, and report incidents on a deadline. DORA, Articles 5-16 (ICT Risk Management Framework) European Union Decreto legislativo 10 marzo 2025, n. 23, DORA Competent Authorities and Regulatory Powers Italy European Union (Digital Operational Resilience) (No. 2) Regulations 2025, Competent Authority and Sanctions Ireland	70	43
AI law Tell people when they are dealing with an AI system or its output, and control the uses the law calls high-risk. Fourth Anti-Money-Laundering Directive: Reporting of Suspicious Transactions to the Financial Intelligence Unit and Prohibition of Disclosure (Articles 33 and 39) European Union The Consumer Duty: Principle 12 and the cross-cutting rules and outcome rules for retail customers United Kingdom Ley 10/2025 Final Provisions 1 and 3, Disclosure of Automated Personalisation of Offers and Prices to Consumers Spain	16	8
Privacy law Have a legal basis for personal data, honor people's rights over it, and report a breach. Fair Credit Reporting Act, consumer reporting agency, user and furnisher duties United States LOPDP, categorías especiales de datos personales Ecuador Ley No. 787, Ley de Protección de Datos Personales, sensitive categories of data Nicaragua	15	8
Communications law Get consent before marketing, calling, recording or storing data on a device, and honor an opt-out. Consumer Rights Directive European Union	2	1

In a declaration

A role says who operates a product, so it is declared in the product's own lexlint.yml and never in a component's ACTIVITIES.md: a library cannot make the product that uses it a regulated party.

In lexlint.yml

profile: activities: - provides_financial_services

History

In the registry since version 1.0, 16 Oct 2026.

In the glossary: Provides financial services.

The activity registry is LexLint's open list; this page's text is licensed under Creative Commons Attribution 4.0.