{
 "jurisdiction_id": "US-SC",
 "jurisdiction": "United States – South Carolina",
 "url": "https://payments.gi/jurisdictions/united-states-south-carolina/",
 "generator": "render_jid v13.3.0",
 "date_modified": "2026-08-11",
 "schema_version": "world-payments-v1",
 "counts": {
  "modules": 14,
  "sourced_findings": 52,
  "source_register": 125
 },
 "modules": [
  {
   "code": "W1a",
   "name": "Licensing, Authorisation & Market Access",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w1a-licensing-authorisation-market-access",
   "standing_position": "South Carolina licenses and regulates money transmitters and currency exchangers under the South Carolina Uniform Money Services Act (Title 35, Chapter 11), administered by the Money Services Division within the Office of the Attorney General. 2024 Act No. 218 adopted the MTMA model law, streamlining net-worth, surety-bond, and permissible-investment standards and enabling multistate licensing reciprocity. A pending 2025-2026 bill (H.4251) would add a fee/suspension mechanism funding the state's Illegal Immigration Enforcement Unit.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/",
     "source_url": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/",
     "source_url": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://moneytransmitterlaw.com/state-laws/south-carolina/",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "process",
     "source": "https://www.bryantsuretybonds.com/blog/south-carolina-money-transmitter-license",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "charter",
     "source": "https://banking.sc.gov/",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "pending_bill",
     "source": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W1b",
   "name": "Conduct, Safeguarding & Financial Promotions",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w1b-conduct-safeguarding-financial-promotions",
   "standing_position": "Safeguarding for SC-licensed money transmitters rests on a surety-bond/net-worth regime rather than segregation-of-funds trust. Conduct/promotions rules are emerging fastest around VC kiosks via pending Bill 4592.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "safeguarding",
     "source": "https://www.bondexchange.com/south-carolina-money-transmitter-bond-a-comprehensive-guide/",
     "source_url": "https://www.bondexchange.com/south-carolina-money-transmitter-bond-a-comprehensive-guide/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "safeguarding",
     "source": "https://www.natlawreview.com/article/south-carolina-latest-state-to-implement-money-transmitter-licensing-laws-and",
     "source_url": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "conduct",
     "source": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_url": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "conduct",
     "source": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/money-services-faqs/",
     "source_url": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "enforcement",
     "source": "https://www.scstatehouse.gov/sess119_2011-2012/bills/1230.htm",
     "source_url": "https://www.scstatehouse.gov/sess126_2025-2026/bills/4592.htm",
     "source_tier": "1",
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W2",
   "name": "Stablecoins & Digital Money",
   "confidence": "High",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w2-stablecoins-digital-money",
   "standing_position": "S.163, signed by Governor McMaster May 19, 2026, bars SC governmental entities from accepting/requiring payment via, or participating in a test of, a Central Bank Digital Currency, and protects individual/business rights to use digital currency for transactions and self-custody.",
   "findings": []
  },
  {
   "code": "W3",
   "name": "Operational Resilience & Critical Infrastructure",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w3-operational-resilience-critical-infrastructure",
   "standing_position": "SC has no payments-specific operational-resilience/critical-infrastructure regime akin to DORA. Applicable standing framework is the general breach-notification statute (since 2009) and the Insurance Data Security Act, layered under federal GLBA/FFIEC expectations for banks.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://law.justia.com/codes/south-carolina/title-39/chapter-1/section-39-1-90/",
     "source_url": "https://law.justia.com/codes/south-carolina/title-39/chapter-1/section-39-1-90/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.recordinglaw.com/us-laws/data-privacy-laws/south-carolina-data-privacy-laws/data-breach-notification/",
     "source_url": "https://www.scstatehouse.gov/code/t38c099.php",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "process",
     "source": "https://consumer.sc.gov/business-resourceslaws/reporting-security-breach-businesses",
     "source_url": "https://www.scstatehouse.gov/code/t38c099.php",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scstatehouse.gov/code/t38c099.php",
     "source_url": "https://www.scstatehouse.gov/code/t38c099.php",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://sentra.io/learn/south-carolina-data-breach-notification-law-requirements",
     "source_url": "https://www.scstatehouse.gov/code/t38c099.php",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W4",
   "name": "Scheme & Network Compliance",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w4-scheme-network-compliance",
   "standing_position": "No SC interchange/surcharge statute in force; federal Durbin Amendment debit-interchange cap, Expressions Hair Design surcharge jurisprudence and scheme rules govern. SC's own scheme-adjacent statute is the criminal Financial Transaction Card Crime Act.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scstatehouse.gov/code/t16c014.php",
     "source_url": "https://www.scstatehouse.gov/code/t16c014.php",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "federal_law",
     "source": "https://ebizcharge.com/blog/credit-card-surcharge-a-state-by-state-legal-analysis/",
     "source_url": "https://www.scstatehouse.gov/code/t16c014.php",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.attorneytruslow.com/blog/2023/december/south-carolina-financial-transaction-card-crime-/",
     "source_url": "https://www.scstatehouse.gov/code/t16c014.php",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W5",
   "name": "Payment Corridor Dynamics",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w5-payment-corridor-dynamics",
   "standing_position": "SC has no dedicated corridor/remittance policy distinct from its general money-transmitter regime. Cross-border flows channel via nationally licensed transmitters operating through SC-registered authorized delegates.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/money-services-faqs/",
     "source_url": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/money-services-faqs/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "process",
     "source": "https://www.bryantsuretybonds.com/blog/south-carolina-money-transmitter-license",
     "source_url": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/money-services-faqs/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "process",
     "source": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/",
     "source_url": "https://www.scag.gov/inside-the-office/legal-services-division/money-services/money-services-faqs/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W6",
   "name": "Industry Structure & Commercial Dynamics",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w6-industry-structure-commercial-dynamics",
   "standing_position": "SC's banking structure is marked by heavy out-of-state deposit ownership and branch contraction, prompting a credit-union-led coalition seeking expanded public-deposit access. State is home to LPL Financial, SouthState, and the Carolina Fintech Hub ecosystem.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "market_structure",
     "source": "https://www.postandcourier.com/kingstree/community-news/palmetto-public-deposits-coalition-launches-to-strengthen-south-carolinas-financial-ecosystem/article_be4867ea-8cdd-11ef-b1ec-d78129377937.html",
     "source_url": "https://www.postandcourier.com/kingstree/community-news/palmetto-public-deposits-coalition-launches-to-strengthen-south-carolinas-financial-ecosystem/article_be4867ea-8cdd-11ef-b1ec-d78129377937.html",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market_structure",
     "source": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market_structure",
     "source": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market_structure",
     "source": "https://www.scag.gov/about-the-office/news/attorney-general-wilson-applauds-passage-of-new-law-to-combat-financial-exploitation-of-the-elderly-and-other-vulnerable-adults/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market_structure",
     "source": "https://finovate.com/category/finovatespring-2026/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market_structure",
     "source": "https://www.carolinafintechhub.org/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W7",
   "name": "Legal & Litigation",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w7-legal-litigation",
   "standing_position": "SC's payments-adjacent enforcement activity centers on the AG's multistate coordination role, notably the 47-state $80M BSA/AML settlement with Block Inc. (Cash App), alongside historical CashCall/Western Sky consumer-lending settlements.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "enforcement",
     "source": "https://www.fitsnews.com/2025/01/22/s-c-attorney-general-joins-80-million-enforcement-action/",
     "source_url": "https://www.fitsnews.com/2025/01/22/s-c-attorney-general-joins-80-million-enforcement-action/",
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "enforcement",
     "source": "https://consumer.sc.gov/business-resourceslaws/enforcement-actions",
     "source_url": "https://www.fitsnews.com/2025/01/22/s-c-attorney-general-joins-80-million-enforcement-action/",
     "source_tier": "1",
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W8",
   "name": "Merchant Acquiring & Risk",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w8-merchant-acquiring-risk",
   "standing_position": "SC has a regulatory gap for merchant cash advance funders/brokers: no licensing, bonding, or registration requirement, unlike SC's regulated payday-lending regime.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "regulatory_gap",
     "source": "https://grantphillipslaw.com/merchant-cash-advance-attorney-south-carolina/",
     "source_url": "https://grantphillipslaw.com/merchant-cash-advance-attorney-south-carolina/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scstatehouse.gov/code/t16c014.php",
     "source_url": "https://grantphillipslaw.com/merchant-cash-advance-attorney-south-carolina/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W9",
   "name": "Product Innovation & Market Development",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w9-product-innovation-market-development",
   "standing_position": "SC community banks are adopting FedNow instant-payments infrastructure, mirroring the nationwide community-bank-heavy trend. Separately, S.163 is framed as a competitiveness play to attract crypto-friendly capital and businesses.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "product",
     "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": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "product",
     "source": "https://www.frbservices.org/news/fed360/issues/071625/fednow-service-two-years-growth-innovation",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "product",
     "source": "https://www.csiweb.com/what-to-know/content-hub/blog/exploring-the-fednow-service-and-instant-payments/",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "product",
     "source": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_url": "https://www.kavout.com/market-lens/what-does-south-carolina-s-new-crypto-law-entail",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W10",
   "name": "Consumer Protection & APP Fraud",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w10-consumer-protection-app-fraud",
   "standing_position": "Consumer payments protection runs through SCDCA under the SC Consumer Protection Code and SCUTPA, plus a 2021 elder-exploitation law. No SC-specific APP-fraud reimbursement mandate exists; reliance on federal Reg E and scheme zero-liability.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scjustice.org/wp-content/uploads/2019/05/08-Chapter-8-Consumer-Protection.pdf",
     "source_url": "https://governor.sc.gov/news/2021-07/gov-henry-mcmaster-signs-bill-protect-vulnerable-adults-financial-exploitation",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://governor.sc.gov/news/2021-07/gov-henry-mcmaster-signs-bill-protect-vulnerable-adults-financial-exploitation",
     "source_url": "https://www.scjustice.org/wp-content/uploads/2019/05/08-Chapter-8-Consumer-Protection.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.richmondfed.org/banking/banker_resources/regulatory_perspectives/news_flash/2025/20250221_elderexploit",
     "source_url": "https://www.scjustice.org/wp-content/uploads/2019/05/08-Chapter-8-Consumer-Protection.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://hayscauley.net/consumer-rights-act-in-south-carolina-protecting-your-interests/",
     "source_url": "https://www.scjustice.org/wp-content/uploads/2019/05/08-Chapter-8-Consumer-Protection.pdf",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.scag.gov/about-the-office/news/attorney-general-wilson-applauds-passage-of-new-law-to-combat-financial-exploitation-of-the-elderly-and-other-vulnerable-adults/",
     "source_url": "https://www.scjustice.org/wp-content/uploads/2019/05/08-Chapter-8-Consumer-Protection.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W11",
   "name": "AML/CFT & Financial Crime",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w11-aml-cft-financial-crime",
   "standing_position": "Sentinel.gi payments-context position: SC money transmitters operate under the SC Anti-Money Laundering Act, requiring BSA/AML compliance and FinCEN MSB registration. Most material recent signal is SC's participation in the $80M multistate Block Inc. (Cash App) settlement.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "sentinel.https://cornerstonelicensing.com/money-transmitter-laws/south-carolina-ag-money-transmitter-regulations/",
     "source_url": null,
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "enforcement",
     "source": "sentinel.https://www.fitsnews.com/2025/01/22/s-c-attorney-general-joins-80-million-enforcement-action/",
     "source_url": null,
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "process",
     "source": "sentinel.https://www.bryantsuretybonds.com/blog/south-carolina-money-transmitter-license",
     "source_url": null,
     "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-south-carolina/#w12-correspondent-banking-settlement-access",
   "standing_position": "SC's correspondent-banking landscape is defined by consolidation and a public-deposit rule confining government deposits to traditional banks, even as 78% of deposits sit in out-of-state institutions and rural branch closures strain local access.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "access",
     "source": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "access",
     "source": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "supervision",
     "source": "https://banking.sc.gov/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "supervision",
     "source": "https://scbankers.org/regulatory/",
     "source_url": "https://scdailygazette.com/2024/10/17/new-coalition-says-rural-sc-towns-need-more-banking-options-banks-will-fight-it/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W13",
   "name": "Commercial Intelligence & Fintech",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w13-commercial-intelligence-fintech",
   "standing_position": "Trailing-12-month commercial activity touching SC includes out-of-state bank expansion (Huntington, Carter Bankshares) and S.163's digital-asset legislative event. No SC-headquartered payments fintech M&A or funding event identified.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://www.americanbanker.com/tag/mergers-and-acquisitions",
     "source_url": "https://www.americanbanker.com/news/the-five-biggest-bank-m-a-deals-of-2025",
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://www.americanbanker.com/news/the-five-biggest-bank-m-a-deals-of-2025",
     "source_url": "https://www.americanbanker.com/tag/mergers-and-acquisitions",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://www.scag.gov/about-the-office/news/attorney-general-wilson-applauds-passage-of-new-law-to-combat-financial-exploitation-of-the-elderly-and-other-vulnerable-adults/",
     "source_url": "https://www.americanbanker.com/tag/mergers-and-acquisitions",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  }
 ]
}