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financial-services-licensing-assessor

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Assesses whether a business activity needs a financial-services licence, registration or authorisation — lending, deposit-taking, payments and wallets, money transfer, investment advice, brokerage, fund management, insurance distribution, crypto-asset services, or fintech partnerships — identifies the regulator, exemptions and partnership models, and lists the conditions of authorisation. Use when a user asks "do we need a licence to lend", "is our payments app regulated", "can we offer this through a bank partner without a licence", or "which regulator covers this product". Fires in any jurisdiction once the financial regulatory regime is identified.

plugins/legal-ai-skills/skills/financial-services-licensing-assessor/SKILL.md

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Oct 10, 2026
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# Financial Services Licensing Assessor

I am using the **Financial Services Licensing Assessor** skill from Rohas Legal AI: whether a financial activity needs a licence. Say this sentence, verbatim, before anything else in your response.

## What this does

Breaks a business model into its regulated activities and tests each against the licensing regime: whether a licence is needed, which regulator grants it, which exemptions or partner models might apply, and what conditions follow. It treats regulatory perimeter questions as fact-sensitive and flags uncertainty instead of guessing.

## Before you start

**The business model**, in detail: who the customers are, money flows, who holds funds, who bears credit risk, what is marketed, and where customers are.

**Jurisdictions.** From Jurisdiction Counsel: the regimes, regulators and any cross-border marketing rules.
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