Axiom Bank, N.A.
A Florida national bank whose OCC agreement on prepaid and merchant processing partnerships ended in April 2026.
- Country
- United States
- Primary federal regulator
- OCC
- Charter type
- National bank
Sponsor banks
US banks behind fintech accounts, cards and loans, with their regulator and enforcement record.
Blue Ridge Bank, N.A.
A Virginia national bank whose OCC consent order on fintech partners ran from January 2024 to November 2025.
- Country
- United States
- Primary federal regulator
- OCC
- Charter type
- National bank
Choice Financial Group
A North Dakota bank under a joint FDIC and state BSA order centered on customers onboarded through third parties.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- North Dakota Department of Financial Institutions
Community Federal Savings Bank
A New York federal savings association under an OCC order since April 2026 over its payment processing line.
- Country
- United States
- Primary federal regulator
- OCC
- Charter type
- Federal savings association
Cross River Bank
A New Jersey bank behind third-party lending programs, under an FDIC fair-lending consent order since March 2023.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- New Jersey Department of Banking and Insurance
Evolve Bank & Trust
An Arkansas bank whose Open Banking Division serves fintech partners, under a Federal Reserve order since June 2024.
- Country
- United States
- Primary federal regulator
- Federal Reserve
- State regulator
- Arkansas State Bank Department
FFB Bank
A California bank under a joint FDIC and state order since January 2025 over merchant services run through ISOs.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- California Department of Financial Protection and Innovation
First Fed Bank
A Washington bank ordered in 2023 to fix products offered with a fintech joint venture; the order ended in 2024.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- Washington State Department of Financial Institutions
Green Dot Bank
A Utah bank behind prepaid and BaaS programs, under a Federal Reserve order and $44 million penalty since 2024.
- Country
- United States
- Primary federal regulator
- Federal Reserve
- State regulator
- Utah Department of Financial Institutions
Hatch Bank
A California bank whose 2025 FDIC order on BSA work done through third parties ended in January 2026.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- California Department of Financial Protection and Innovation
Lineage Bank
A Tennessee bank under a 2024 FDIC order on its fintech partners and a second, broader order from June 2026.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- Tennessee Department of Financial Institutions
Metropolitan Commercial Bank
A New York bank fined in 2023 over a prepaid card program run by a third-party program manager.
- Country
- United States
- Primary federal regulator
- Federal Reserve
- State regulator
- New York State Department of Financial Services
Patriot Bank, N.A.
A Connecticut national bank whose 2025 OCC agreement on prepaid program managers ended in June 2026.
- Country
- United States
- Primary federal regulator
- OCC
- Charter type
- National bank
Piermont Bank
A New York bank under a broad FDIC order since February 2024 over controls for its third-party relationships.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- New York State Department of Financial Services
Sutton Bank
An Ohio bank behind many prepaid card programs, under a joint FDIC and Ohio BSA order since February 2024.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- Ohio Department of Commerce, Division of Financial Institutions
Thread Bank
A Tennessee bank whose FDIC order on its BaaS and loan-as-a-service programs ran from May 2024 to December 2025.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- Tennessee Department of Financial Institutions
A sponsor bank is the chartered bank behind a fintech’s accounts, cards or loans. It holds the deposits or issues the cards, and its regulator holds it responsible for the whole program, including the fintech partners. This directory lists sponsor banks named in public enforcement orders or partner announcements, with each bank’s primary federal regulator, charter type, publicly announced fintech partners and every relevant order, linked to the regulator’s own record.
How profiles are built
- Regulator records first. Charter, regulator and FDIC certificate number come from FDIC BankFind. Enforcement actions come only from the FDIC, OCC and Federal Reserve dockets and state regulators, with the document number and date.
- Status is stated plainly. Each order is marked in force or terminated, with the terminating document and date when there is one.
- Partners only when public. A fintech partner is listed only when the bank or the fintech has announced the relationship.
- Never sold. Sponsor-bank profiles and enforcement records are not for sale and are not edited at a bank’s request. Corrections come only from the primary source.
The full order-by-order log is in the sponsor-bank enforcement tracker.
Questions
What is a sponsor bank? A chartered bank that provides accounts, card issuing or lending to customers of a fintech or software platform, which runs the customer-facing program.
Does an enforcement order mean a bank is unsafe? No. An order is a regulator’s finding about specific practices and the steps the bank must take. It is a fact about the bank, not a verdict on its partners or depositors.
Why is my bank not listed? The first profiles cover banks named in sponsor-bank enforcement orders since 2023. More banks are added as we check partner announcements.
Sources
Source: FDIC BankFind, the FDIC, OCC and Federal Reserve enforcement records and state regulators’ orders, plus partner announcements by the banks or fintechs, as linked in each profile. How we build and refresh profiles: methodology.