Designing in regulated industries like finance and insurance requires a different approach than for typical consumer products. Instead of viewing compliance as an obstacle, designers must embrace it as a fundamental design constraint. This involves integrating legal and regulatory requirements early in the design process, not as an afterthought. Key challenges include managing multiple stakeholders with veto power, framing consent and disclosure as interaction design opportunities, and recognizing that error states carry significant legal weight. Furthermore, accessibility is a legal mandate in these sectors, not merely an aspirational goal. Thorough documentation of design decisions is crucial for auditability and defensibility. A decision-making matrix is proposed to ensure designs simultaneously satisfy user understanding, regulatory compliance, business needs, and provability. By reframing compliance as a user need and integrating it upstream, designers can create products that are both effective and responsible. The ultimate goal is to make complex, regulated processes feel effortless and safe for users.