{ "jurisdiction_id": "US-MO", "jurisdiction": "United States – Missouri", "url": "https://payments.gi/jurisdictions/united-states-missouri/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 73, "source_register": 128 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w1a-licensing-authorisation-market-access", "standing_position": "Missouri repealed its legacy Sale of Checks Law and enacted the Money Transmission Modernization Act of 2024 (MTMA), effective August 28, 2024. Licensing runs through NMLS; licensees must maintain net worth >$100,000 and a surety bond. The GENIUS Act's implementing rulemaking is establishing the 'substantially similar' test determining whether MO-style state MTL regimes can qualify state-supervised stablecoin issuers.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://finance.mo.gov/consumercredit/moneyorder.php", "source_url": "https://finance.mo.gov/consumercredit/moneyorder.php", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=361.700", "source_url": "https://finance.mo.gov/virtual-currency-kiosk-operators", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "licensing_portal", "source": "https://finance.mo.gov/consumer-credit-licensing/money-ordermoney-transmitter", "source_url": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "bonding_requirement", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=361.700", "source_url": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://finance.mo.gov/virtual-currency-kiosk-operators", "source_url": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_url": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "fee_schedule", "source": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_url": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator_scope", "source": "https://finance.mo.gov/consumer-credit-licensing", "source_url": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Safeguarding is bond/net-worth based rather than trust/segregation based; conduct/promotions rules newly extended in 2025 via the Virtual Currency Kiosk Consumer Protection Act.", "findings": [ { "finding": null, "instrument_type": "safeguarding_mechanism", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=361.711", "source_url": "https://revisor.mo.gov/main/OneSection.aspx?section=361.711", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "permissible_investments", "source": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_url": "https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "conduct_rule", "source": "https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_url": "https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "conduct_rule", "source": "https://themissouritimes.com/opinion-missouri-bills-safeguard-cryptocurrencys-role-in-the-states-future/", "source_url": "https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement_mechanism", "source": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_url": "https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "disclosure_rule", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_url": "https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w2-stablecoins-digital-money", "standing_position": "Missouri has no standalone state stablecoin-issuer chartering regime; digital-money activity is governed by the federal GENIUS Act framework and the state's kiosk-licensing extension.", "findings": [ { "finding": null, "instrument_type": "federal_statute", "source": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "source_url": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://finance.mo.gov/virtual-currency-kiosk-operators", "source_url": "https://finance.mo.gov/virtual-currency-kiosk-operators", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "federal_regulatory_development", "source": "https://www.klgates.com/Crypto-in-2026-The-Democratization-of-Digital-Assets-1-29-2026", "source_url": "https://finance.mo.gov/virtual-currency-kiosk-operators", "source_tier": "2", "retrieved_at": null } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w3-operational-resilience-critical-infrastructure", "standing_position": "Operational resilience runs through federal FFIEC/FDIC guidance and CIRCIA, layered with the new state Insurance Data Security Act (effective Jan 1 2026).", "findings": [ { "finding": null, "instrument_type": "supervisory_guidance", "source": "https://www.fdic.gov/banker-resource-center/information-technology-it-and-cybersecurity", "source_url": "https://www.fdic.gov/banker-resource-center/information-technology-it-and-cybersecurity", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_url": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "incident_reporting", "source": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_url": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "state_infrastructure", "source": "https://cybersecurity.mo.gov/", "source_url": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "supervisory_power", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=361.700", "source_url": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "critical_infra_reporting", "source": "https://pivitstrategy.com/missouri-cybersecurity-laws-you-should-know-2026/", "source_url": "https://www.fisherphillips.com/en/insights/insights/missouri-adopts-new-data-breach-notice-law-for-insurers", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w4-scheme-network-compliance", "standing_position": "Permissive, disclosure-based approach to card-scheme compliance; surcharging legal; 2024 ban attempt failed; 2025 DOR tax-on-fees proposal pending.", "findings": [ { "finding": null, "instrument_type": "legislative_history", "source": "https://www.senate.mo.gov/13info/bts_web/Bill.aspx?SessionType=R&BillID=18713089", "source_url": "https://www.senate.mo.gov/13info/bts_web/Bill.aspx?SessionType=R&BillID=18713089", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "legislative_history", "source": "https://documents.house.mo.gov/billtracking/bills241/hlrbillspdf/5004H.01I.pdf", "source_url": "https://www.kearneychamber.org/urgent", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "surcharge_rule", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/credit-card-surcharge-laws-by-state/", "source_url": "https://www.kearneychamber.org/urgent", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "proposed_rule", "source": "https://www.kearneychamber.org/urgent", "source_url": "https://www.kearneychamber.org/urgent", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "scheme_enforcement", "source": "https://www.nickel.com/surcharge-laws/missouri", "source_url": "https://www.kearneychamber.org/urgent", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w5-payment-corridor-dynamics", "standing_position": "Principal corridor development is domestic FedNow rollout via the Kansas City Fed, with growing but partial community-bank participation.", "findings": [ { "finding": null, "instrument_type": "rail_adoption", "source": "https://www.kansascityfed.org/speeches/leveraging-modern-payments-infrastructure-in-community-banking/", "source_url": "https://www.kansascityfed.org/speeches/leveraging-modern-payments-infrastructure-in-community-banking/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "rail_participant_list", "source": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_url": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "rail_infrastructure", "source": "https://www.kansascityfed.org/ten/fednow-service-continues-momentum/", "source_url": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "corridor_infrastructure", "source": "https://finzly.com/resources/press-releases/finzly-celebrates-ten-years-of-providing-innovative-solutions-to-banks-2/", "source_url": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "demand_signal", "source": "https://www.kansascityfed.org/ten/fednow-service-continues-momentum/", "source_url": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "Assessed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w6-industry-structure-commercial-dynamics", "standing_position": "Bifurcated structure between St. Louis (brokerage/wealth, fintech accelerators) and Kansas City (BaaS, govtech), with active bank consolidation and a state VC funding cut.", "findings": [ { "finding": null, "instrument_type": "market_structure", "source": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_url": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "bank_fintech_model", "source": "https://finzly.com/resources/press-releases/finzly-celebrates-ten-years-of-providing-innovative-solutions-to-banks-2/", "source_url": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "vc_ecosystem", "source": "https://www.ellty.com/blog/missouri-investors", "source_url": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "state_funding_climate", "source": "https://www.ellty.com/blog/missouri-investors", "source_url": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "private_equity", "source": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_url": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w7-legal-litigation", "standing_position": "MMPA is the general private-right-of-action/AG-enforcement vehicle, layered with dedicated elder-exploitation civil and criminal statutes.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=407.020", "source_url": "https://revisor.mo.gov/main/OneSection.aspx?section=407.020", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement_statistics", "source": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_url": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "remedy_structure", "source": "https://hdtriallawyers.com/mmpa/", "source_url": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_url": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=570.145", "source_url": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement_mechanism", "source": "https://senate.mo.gov/23info/BTS_Web/Bill.aspx?SessionType=R&BillID=3749853", "source_url": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w8-merchant-acquiring-risk", "standing_position": "No dedicated merchant-acquirer or ISO licensing regime; risk sits with federal Reg II/Durbin limits and card-network rules.", "findings": [ { "finding": null, "instrument_type": "acquiring_rule", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_url": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "durbin_exception", "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_url": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "risk_enforcement", "source": "https://www.nickel.com/surcharge-laws/missouri", "source_url": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "recourse_mechanism", "source": "https://ago.mo.gov/divisions/consumer/", "source_url": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/missouri-surcharge-laws/", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "High", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w9-product-innovation-market-development", "standing_position": "Missouri's regulated retail and online sports-wagering market launched December 1, 2025 under Amendment 2. MGC licensed 16 retail/online operators; first-month volume reached $543 million (>99% online), with a 10% wagering tax on adjusted gross revenue net of promotional-bet deductions.", "findings": [ { "finding": null, "instrument_type": "product_rail", "source": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_url": "https://builtin.com/companies/location/kansas-city/type/fintech-companies", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "baas_product", "source": "https://finzly.com/resources/press-releases/finzly-celebrates-ten-years-of-providing-innovative-solutions-to-banks-2/", "source_url": "https://www.ellty.com/blog/missouri-investors", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "govtech_product", "source": "https://builtin.com/companies/location/kansas-city/type/fintech-companies", "source_url": "https://www.ellty.com/blog/missouri-investors", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "innovation_funding", "source": "https://www.ellty.com/blog/missouri-investors", "source_url": "https://www.ellty.com/blog/missouri-investors", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "use_case_development", "source": "https://www.kansascityfed.org/ten/fednow-service-continues-momentum/", "source_url": "https://www.ellty.com/blog/missouri-investors", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w10-consumer-protection-app-fraud", "standing_position": "Consumer protection runs through MMPA plus a dedicated elder-financial-exploitation regime; no standalone APP-fraud reimbursement rule found.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=407.020", "source_url": "https://revisor.mo.gov/main/OneSection.aspx?section=407.020", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement_statistics", "source": "https://ago.mo.gov/divisions/consumer/", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement_statistics", "source": "https://ago.mo.gov/attorney-general-bailey-announces-missourians-top-consumer-complaints-in-2023/", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://revisor.mo.gov/main/OneSection.aspx?section=570.145", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "reporting_channel", "source": "https://health.mo.gov/safety/abuse/", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "mandatory_reporting", "source": "https://www.silverlaw.com/missouri-elder-fraud-statutes.html", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "institutional_practice", "source": "https://ourcpb.bank/how-to-protect-against-elder-financial-abuse/", "source_url": "https://www.fa-mag.com/news/missouri-elder-fraud-law-sets-example-for-states-25179.html", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "Possible", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w11-aml-cft-financial-crime", "standing_position": "W11 baseline is intended Sentinel.gi-fed; feed not independently retrievable this pass; public MSB-registration touchpoints captured as supporting context only.", "findings": [ { "finding": null, "instrument_type": "sentinel.aml_prerequisite", "source": "https://www.suretybonds.com/states/missouri/money-transmitter-bond", "source_url": "https://www.suretybonds.com/states/missouri/money-transmitter-bond", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "sentinel.aml_documentation", "source": "https://moneytransmitterlaw.com/state-laws/missouri/", "source_url": "https://www.suretybonds.com/states/missouri/money-transmitter-bond", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "sentinel.aml_documentation", "source": "https://www.bryantsuretybonds.com/blog/missouri-money-transmitter-license", "source_url": "https://www.suretybonds.com/states/missouri/money-transmitter-bond", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w12-correspondent-banking-settlement-access", "standing_position": "Institutions access Fed settlement rails via the Kansas City Fed; new Single Bank Pooled Collateral Program (effective Dec 3 2025) and correspondent/bankers'-bank relationships support smaller institutions.", "findings": [ { "finding": null, "instrument_type": "settlement_infrastructure", "source": "https://www.kansascityfed.org/speeches/leveraging-modern-payments-infrastructure-in-community-banking/", "source_url": "https://www.kansascityfed.org/speeches/leveraging-modern-payments-infrastructure-in-community-banking/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "collateral_program", "source": "https://finance.mo.gov/", "source_url": "https://finance.mo.gov/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "safety_soundness", "source": "https://senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=6349874", "source_url": "https://finance.mo.gov/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "correspondent_access", "source": "https://thefintechtimes.com/fednow-pilot-programme-continues-garnering-support-as-finastra-joins/", "source_url": "https://finance.mo.gov/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "correspondent_market_activity", "source": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_url": "https://finance.mo.gov/", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-missouri/#w13-commercial-intelligence-fintech", "standing_position": "Trailing-12-month commercial activity centers on community-bank consolidation, a PE minority stake, and a bank-fintech instant-payments partnership, against reduced state VC funding.", "findings": [ { "finding": null, "instrument_type": "commercial_event", "source": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_url": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.privsource.com/acquisitions/financial-services/state/missouri", "source_url": "https://finzly.com/resources/press-releases/finzly-celebrates-ten-years-of-providing-innovative-solutions-to-banks-2/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://finzly.com/resources/press-releases/finzly-celebrates-ten-years-of-providing-innovative-solutions-to-banks-2/", "source_url": "https://www.ellty.com/blog/missouri-investors", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.ellty.com/blog/missouri-investors", "source_url": "https://www.ellty.com/blog/missouri-investors", "source_tier": "3", "retrieved_at": null } ] } ] }