Open finance is moving fast. The risk frameworks governing it have not kept pace.

When a fintech connects to a credit union and something goes wrong the credit union — the institution that had no say in who connected to its customers — is left holding the liability.

That’s not a technology problem. It’s a governance problem.

At Fintech Meetup 2026 in Las Vegas, the opening keynote brought together two senior regulators — Kyle Hauptman, Chair of the US’ National Credit Union Administration, and Jessica Rusu, Chief Data, Information and Innovation Officer of the UK’s Financial Conduct Authority — to answer one question directly.

What does it actually take to make open finance safe enough to work at scale?

Download the report to find out what they said.