SoFi · Governance

Policy Drift Analysis Eroding 4 mo

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

SoFi has made 19 significant policy changes since monitoring began in April 2026 (4 mo). 12 were negative for consumers, primarily involving fee change. 3 were positive, strengthening consumer protections.
Include low severity Showing high + medium only
19
Changes
12
Negative
3
Positive
4
Neutral
Negative (63%) Positive (15%)

Documents Affected

SoFi Terms of Service
10 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 …
Aug 19, 2026
SoFi revised its SoFi Plus membership benefits in an update detected on August 18, 2026. The 1% match promotion on investment account deposits was restructured: …
medium neutral
+ 9 more changes
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SoFi Privacy Notice (Retired URL)
5 changes
SoFi's Privacy Notice explains what personal information SoFi collects—including through tracking technologies—and how it shares that information with affiliates, third parties, and advertising partners. You can opt out of certain …
Jun 12, 2026
SoFi's Privacy Notice was updated on June 12, 2026 to revise how the company describes cookie and tracking technology practices. The updated policy explicitly states …
medium neutral
+ 4 more changes
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SoFi Terms of Service (Superseded URL)
4 changes
Aug 19, 2026
SoFi modified its SoFi Plus investment match promotion in an update detected on August 18, 2026. The prior offer required SoFi Plus membership for one …
medium neutral
+ 3 more changes
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All Changes (19)

Aug 19, 2026
SoFi modified its SoFi Plus investment match promotion in an update detected on August 18, 2026. The prior offer required SoFi Plus membership for one continuous year; the revised terms …
medium neutral SoFi Terms of Service (Superseded URL)
Aug 19, 2026
SoFi revised its SoFi Plus membership benefits in an update detected on August 18, 2026. The 1% match promotion on investment account deposits was restructured: the holding requirement changed from …
medium neutral SoFi Terms of Service
Aug 5, 2026
SoFi updated its referral promotion terms in an update detected on August 5, 2026. The promotion period shifted from June 24 – August 4, 2026 to August 5 – September …
medium negative SoFi Terms of Service (Superseded URL)
+ 16 more changes
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Trend Observation

SoFi's most frequent change categories are Fee change (6), Payout terms change (4), Transparency removal (3). The most frequently updated document is SoFi Terms of Service with 10 changes. Get alerted when SoFi changes policy →

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