{
 "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": "2026-08-26",
 "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": false,
   "url": "https://payments.gi/jurisdictions/united-states-south-carolina/#w1a-licensing-authorisation-market-access",
   "standing_position": "South Carolina's money-transmission regime rests on the 2024 SC Anti-Money Laundering Act, administered by the AG's Money Services Division via NMLS. 2026 has added a crypto-specific overlay: S.163 (signed May 19, 2026) exempts mining, node operation and crypto-to-crypto exchange from money-transmitter licensing, while pending bills (H.4592, H.4251) would add kiosk licensing and immigration-fund fees.",
   "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": false,
   "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"
    }
   ]
  }
 ]
}