Reduce compliance risk across customer-facing digital platforms
Accessibility audits, VPAT documentation, and remediation for banking, insurance, and fintech digital services — before regulators or plaintiffs act first.
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The Challenge
Why financial services can't ignore digital accessibility
Lawsuit Exposure
Banks are "places of public accommodation" under ADA Title III — making them prime targets for digital accessibility lawsuits. Financial services are among the most-sued industries, with cases targeting online banking, insurance portals, and fintech apps.
The Virtual Migration
COVID-19 accelerated the shift to digital banking as thousands of branches closed. The push to do more online is permanent — and so is the obligation to make every digital touchpoint accessible.
A $200B Market Left Behind
61 million Americans with disabilities hold over $200 billion in discretionary spending. Inaccessible platforms exclude them — and their families and networks — from banking, insurance, and investment services.
Regulations & Standards
Which accessibility standards apply to financial services
Standard
Applies
ADA Title III
Applies to financial services as places of public accommodation
WCAG 2.2 AA
Referenced standard for digital accessibility in financial services
Section 508
Applies to financial institutions working with federal government
State Laws
California, New York, and other states have specific digital accessibility requirements
EAA
European Accessibility Act applies to financial services in EU markets
AODA
Canadian accessibility requirements for financial services in Ontario
Common Issues
Accessibility barriers we frequently find
Online Banking Transactions
Account transfers, bill pay, and transaction flows that lack proper form labels, error handling, and keyboard accessibility.
PDF Statements & Documents
Account statements, disclosures, and financial documents published as inaccessible PDFs.
Authentication & Security
Multi-factor authentication, CAPTCHA, and security challenges that create barriers for users with disabilities.
Financial Calculators
Mortgage calculators, investment tools, and financial planning widgets that aren't keyboard accessible or screen reader compatible.
Data Tables & Account Views
Transaction history, portfolio views, and account summaries using complex tables without proper headers and markup.
Mobile Banking Apps
Native and hybrid mobile applications with touch-only interactions and missing accessibility labels.
Chat & Customer Support
Live chat widgets and virtual assistants that aren't accessible to screen reader users or keyboard-only users.
Document Upload Flows
File upload and document submission processes that lack accessible instructions and status feedback.
Our Services
How we help financial services
Digital Banking Accessibility Audit
Combined manual and automated WCAG 2.2 AA testing of online banking, insurance portals, and fintech apps. Automated scanners catch roughly 30% of issues — our manual testing finds the rest.
VPAT & Compliance Documentation
Procurement-ready VPATs (2.4 International Edition for maximum coverage) and accessibility conformance reports for regulated financial products.
Remediation Roadmap
Prioritized remediation guidance aligned to legal risk levels and customer impact.
Compliance Training
Role-specific training for development, content, and compliance teams in financial services.
Success Story
Digital Bank Resolves ADA Compliance Before Lawsuit Escalation
Challenge
A mid-size bank received an ADA demand letter citing inaccessible online banking features. They had no accessibility documentation and no baseline conformance data.
Solution
ADACP conducted an expedited audit, produced a remediation roadmap prioritized by legal risk, and created compliance documentation demonstrating a good-faith remediation effort.
Outcome
The bank resolved the demand without litigation, implemented fixes within 90 days, and established an ongoing accessibility program.
89
Critical issues found
90 days
Remediation timeline
Yes
Litigation avoided
$500K+
Annual risk reduction
Compliance Checklist
Accessibility checklist for financial services
All transaction flows are keyboard accessible end-to-end
Account statements are available in accessible formats
Authentication provides accessible alternatives to visual CAPTCHAs
Financial calculators and tools are screen reader compatible
Data tables use proper header markup and are navigable
Mobile banking app meets platform accessibility guidelines
Error messages are clearly identified and described
Session timeouts can be extended with accessible notification
Live chat and support channels are accessible
All customer-facing PDFs meet accessibility standards
Color is not the sole indicator for financial data (gains/losses)
Third-party integrations meet accessibility requirements
How We Work
Our process for financial services
Risk Assessment
We evaluate your digital properties, identify high-risk customer flows, and prioritize testing based on legal exposure and customer impact.
Comprehensive Audit
Manual and automated WCAG 2.2 AA testing across online banking, customer portals, and mobile applications.
Compliance Documentation
VPATs, accessibility conformance reports, and compliance evidence suitable for regulatory and legal contexts.
Prioritized Remediation
Risk-ranked remediation guidance for development teams, with specific fix recommendations and testing procedures.
Ongoing Program
Establish continuous accessibility testing, staff training, and documentation updates as part of your compliance program.
Why ADACP
Why choose ADACP for financial services
Financial Services Expertise
We understand the regulatory landscape, legal risks, and customer expectations specific to banking, insurance, and fintech.
Manual Testing, Not Just Scans
Automated tools catch roughly 30% of issues. Our trained technicians test every transaction flow, form, and document manually — the only way to truly ensure ADA compliance.
Smart Business, Ethical Business
Accessible platforms don't just avoid lawsuits — they unlock the $200B+ market of customers with disabilities who are more likely to choose institutions that serve them well.
Transaction Flow Testing
Deep testing of complex financial workflows — account opening, transfers, payments, bill pay — not surface-level page scans from automated software.
FAQ
Frequently asked questions
Resources
Related resources for financial services
Ready to reduce your digital accessibility risk?
Schedule a consultation to assess your digital banking platform and develop a compliance strategy. We'll respond within one business day.