The SEC says Content Creators and Finfluencers who recommend or solicit investments in securities or digital assets must hold a licence, and it will enforce the law against those who don't. Creators who only share general knowledge are not restricted. Scam consultations rose from about 1,200 last year to nearly 4,000 this year, and the SEC blocked 368 scam channels this year, all within 48 hours. If your business pays influencers to promote financial products, check the advertising and disclosure rules that apply to licensed firms working with them.