SoFi · Governance

Policy Drift Analysis Mixed 4 mo

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

SoFi has made 71 significant policy changes since monitoring began in April 2026 (4 mo). 14 were negative for consumers, primarily involving disclosure requirement change. 9 were positive, strengthening consumer protections.
Meaningful only Showing all changes including minor
71
Changes
14
Negative
9
Positive
48
Neutral
Negative (19%) Positive (12%)

Documents Affected

SoFi Terms of Service
34 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 …
Sep 10, 2026
SoFi reduced referral rewards for its Credit Score Monitoring service on September 10, 2026. Previously, referrers received 1,500 rewards points (equivalent to $15) and referred …
low negative
+ 33 more changes
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SoFi Terms of Service (Superseded URL)
17 changes
Sep 10, 2026
SoFi reduced the referral rewards for its Credit Score Monitoring service in an update detected on September 10, 2026. Previously, referrers received 1,500 rewards points …
low negative
+ 16 more changes
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SoFi Privacy Notice (Retired URL)
13 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 17, 2026
SoFi updated its privacy preference center to provide more detailed disclosure about tracking technologies and user control mechanisms. The revised notice explicitly states that SoFi …
low neutral
+ 12 more changes
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SoFi Privacy Notice
7 changes
Sep 10, 2026
SoFi's Online Privacy Policy website underwent a navigation and menu restructuring in an update detected on September 10, 2026. The changes reorganized the site's main …
low neutral
+ 6 more changes
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All Changes (71)

Sep 10, 2026
SoFi reduced the referral rewards for its Credit Score Monitoring service in an update detected on September 10, 2026. Previously, referrers received 1,500 rewards points (equivalent to $15) when someone …
low negative SoFi Terms of Service (Superseded URL)
Sep 10, 2026
SoFi's Online Privacy Policy website underwent a navigation and menu restructuring in an update detected on September 10, 2026. The changes reorganized the site's main navigation menu, relocating sections such …
low neutral SoFi Privacy Notice
Sep 10, 2026
SoFi reduced referral rewards for its Credit Score Monitoring service on September 10, 2026. Previously, referrers received 1,500 rewards points (equivalent to $15) and referred recipients received 1,000 points; the …
low negative SoFi Terms of Service
+ 68 more changes
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Trend Observation

SoFi's most frequent change categories are Disclosure requirement change (7), Fee change (7), Consent expansion (5). The most frequently updated document is SoFi Terms of Service with 34 changes. Get alerted when SoFi changes policy →

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