{"asOf":"2026-09-05","merchant":"SSDF INC","kind":"role","id":"regulator","title":"Regulator","kicker":"The actual clerk","body":"OCC, FDIC, Federal Reserve, CFPB, and state OFRs. Consent orders after 2022–2025 ran against the chartered banks, not only the middleware. Florida OFR licenses money transmitters under ch. 560.","clerk":"Each agency is the clerk for its statute. SSDF is none of them.","ssdf":"SSDF maps the surface. SSDF does not examine banks and does not license MSBs."}