USA compliance for digital coaches

Navigating compliance as a digital coach in the USA involves understanding both federal and state regulations. Here's a quick overview of key areas and actionable steps: Key Compliance Areas: Federal Consumer Protection (FTC): Ensure marketing claims are truthful, not deceptive, and supported by evidence. Follow FTC Endorsement Guides for testimonials, disclosing material connections. Privacy & Health Data (HIPAA): HIPAA generally applies to healthcare entities. Coaches are typically not covered unless handling Protected Health Information (PHI) for a HIPAA-covered entity, in which case HIPAA rules and Business Associate Agreements (BAAs) apply. Taxes & Business Structure (IRS): Choose the right business entity (e.g., LLC) for tax purposes. Plan for self-employment tax and estimated quarterly payments. Business Registration (SBA): Register your business with state authorities, obtain an EIN, and consider foreign qualification if operating in multiple states. Be aware of FinCEN's BOI reporting. State-Specific Laws: Be mindful of varying state privacy laws (e.g., California, Virginia) and sales tax rules for digital services, which differ significantly by state. Communications Laws: Adhere to CAN-SPAM for emails and TCPA for SMS, ensuring proper consent and opt-out mechanisms. Payment processors also have rules for subscriptions and renewals. Scope of Practice & Contracts: Clearly define your coaching scope, use disclaimers (e.g., not providing medical/legal advice), and have robust client agreements. Insurance & Security: Professional liability and cyber liability insurance are highly recommended. Use secure platforms and protect client data. Accessibility: Aim for website accessibility (ADA/WCAG) to reduce litigation risk. Prioritized Checklist: 1. Business Formation: File with your state, get an EIN, set up a business bank account. 2. Client Documentation: Create client agreements, disclaimers, and website privacy policy/TOS. 3. Privacy & Data: Implement a privacy policy, assess HIPAA, use encryption. 4. Marketing: Ensure FTC compliance for claims and testimonials, and CAN-SPAM/TCPA for communications. 5. Taxes: Register for state sales tax if needed, plan for estimated taxes. 6. Insurance: Obtain professional liability and cyber insurance. Next Steps: Perform state-specific checks for sales tax, local licenses, and coaching regulations. Consult legal counsel for HIPAA if handling health data. Review marketing materials for FTC compliance. Engage a CPA for tax guidance and an attorney for contracts.