SoFi · Governance

Policy Drift Analysis Eroding 6 mo

How SoFi's governance documents and clauses have shifted over time, by document, provision, and change direction.

SoFi has made 6 significant policy changes since monitoring began in April 2026 (6 mo). 4 were negative for consumers, primarily involving fee change.
Include low severity Showing high + medium only
6
Changes
4
Negative
0
Positive
2
Neutral
Negative (66%) Positive (0%)

Documents Affected

SoFi Terms of Service
5 changes
This document sets the rules for using SoFi's website, app, and services. SoFi can change these rules at any time without telling you directly, can cut off your access if …
Oct 1, 2026
SoFi revised its Bank Referral Program terms to clarify timing and eligibility mechanics. The updated language specifies that the 21-day deposit and SoFi Plus subscription …
medium negative
+ 4 more changes
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SoFi Privacy Notice
1 change
Oct 16, 2026
SoFi removed detailed cookie consent language and tracking technology disclosures from its privacy notice. The updated version no longer includes specific descriptions of cookie categories …
medium negative
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All Changes (6)

Oct 16, 2026
SoFi removed detailed cookie consent language and tracking technology disclosures from its privacy notice. The updated version no longer includes specific descriptions of cookie categories (Strictly Necessary, Performance, Targeting), opt-out …
medium negative SoFi Privacy Notice
Oct 1, 2026
SoFi revised its Bank Referral Program terms to clarify timing and eligibility mechanics. The updated language specifies that the 21-day deposit and SoFi Plus subscription windows begin on the day …
medium negative SoFi Terms of Service
Aug 5, 2026
SoFi revised its referral promotion terms, extending the promotion period from June 24 – August 4, 2026 to August 5 – September 30, 2026. The company increased the minimum deposit …
medium negative SoFi Terms of Service
+ 3 more changes
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Trend Observation

SoFi's most frequent change categories are Fee change (3), Transparency removal (1), Payout terms change (1). The most frequently updated document is SoFi Terms of Service with 5 changes. Get alerted when SoFi changes policy →

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