SoFi · Governance

Policy Drift Analysis Mixed 6 mo

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

SoFi has made 18 significant policy changes since monitoring began in April 2026 (6 mo). 5 were negative for consumers, primarily involving fee change. 3 were positive, strengthening consumer protections.
Meaningful only Showing all changes including minor
18
Changes
5
Negative
3
Positive
10
Neutral
Negative (27%) Positive (16%)

Documents Affected

SoFi Terms of Service
17 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 13, 2026
SoFi added a new section to its Terms of Service describing its Marketing SMS program. The updated terms disclose that users may opt in to …
low neutral
+ 16 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 (18)

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 13, 2026
SoFi added a new section to its Terms of Service describing its Marketing SMS program. The updated terms disclose that users may opt in to receive marketing and promotional text …
low neutral SoFi Terms of Service
Oct 9, 2026
SoFi restructured its Invest Referral Program, removing the time-limited promotion framework and replacing it with an ongoing referral program. The updated terms eliminate the previous eligibility requirement tied to Direct …
low negative SoFi Terms of Service
+ 15 more changes
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Trend Observation

SoFi's most frequent change categories are Fee change (6), Disclosure requirement change (3), Transparency removal (1). The most frequently updated document is SoFi Terms of Service with 17 changes. Get alerted when SoFi changes policy →

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