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111 matches for “Fraud”.
News
Fraud exposure is associated with payment stress and lost credit demand
Bank Policy Institute analysis of the CFPB Making Ends Meet Survey finds that people reporting fraud or scams were about 15 percentage points more likely to expect difficulty paying bills, nearly 7 points more likely to expect lower credit-card repayment, and about 13 points more likely to consider but abandon a credit application.
A 0% offer needs a full-lifecycle comparison
Four-pay BNPL, a 12-month merchant-subsidized loan and a revolving private-label card cannot be compared on headline APR alone. Compare financed amounts and expected loan lives alongside price.
ACH funds-availability change is now in effect
A Nacha rule effective September 18 removes the prior-day 5 PM receipt condition for the 9 AM availability requirement on non-Same Day ACH credits. Receiving institutions may need changes for files arriving late the prior day or in the early morning.
AI shopping agents change the authorization evidence packet
Bank warnings about AI shopping bots bring scams, privacy, steering and customer recourse into focus. Agent adoption creates a new question: can an issuer reconstruct what the customer actually authorized?
Credit Acceptance settlement puts affordability and dealer add-ons under scrutiny
Utah announced its participation in a Credit Acceptance settlement providing $694 million in cash restitution and canceled debt nationwide. The headline amount is not all cash. Utah's announcement identifies 124 affected consumers and approximately $1.9 million in state-related relief, including amounts paid directly to the state. The states alleged unaffordable lending and inadequate oversight of dealer add-on products; those allegations should remain attributed.
FTC examines how advertising systems amplify impersonation scams
The FTC is seeking input on whether to change its government and business impersonation rule or take other action concerning platforms’ ad-optimization practices. The inquiry includes advertiser vetting, monitoring, investigation and removal of fraudulent ads.
Mortgage performance improves, while foreclosure starts also rise
The OCC’s second-quarter report found 97.7% of covered first-lien mortgages current and performing, versus 97.5% a year earlier. Servicers initiated 7,904 foreclosures, up both sequentially and year over year.
Salt Lake City hosts AI banking and fintech conference September 29
The Utah Bankers Association lists the AI-Native Banking and Fintech Conference for September 29, 9 AM–6 PM Mountain Time, at the Ken Garff University Club at Rice-Eccles Stadium.
Deep dives
View all 35 →Alloy: distinguish fraud models, decision workflows and AI assistants
A practical evaluation of Fraud Signal, custom-model hosting and agent-assisted investigations, with separate evidence standards for prediction and workflow automation.
FinCEN Section 314(b): sharing fraud intelligence without creating a borrower blacklist
June 2026 guidance expands the practical use of voluntary information sharing against fraud and money laundering. The safe harbor still depends on participant eligibility, notice, verification, purpose and security; SAR confidentiality remains separate.
Sardine: device intelligence and transaction-sequence models for fraud
An evidence-focused review of device signals, issuing-risk models and foundation-model claims, including how to interpret AUC-PR and test cross-institution performance.
SentiLink: identity-fraud signals, synthetic identities and the boundary with credit decisions
What SentiLink’s technical materials say about scores and explanations, and how to evaluate them without treating a risk rank as a probability or a legal conclusion.
Socure Sigma Synthetic: turn a fraud signal into a tested policy
Understand the score, validate the intervention and distinguish synthetic-identity risk from ordinary credit risk.
U.S. Bank ReliaCard: fraud freezes need a workable route back to funds
The terminated CFPB unemployment-benefit-card order illustrates false-positive harm, identity-verification bottlenecks and the need to preserve error-resolution rights.
12 CFR Part 30: turning safety-and-soundness standards into operating evidence
Part 30 links OCC safety-and-soundness guidelines to a compliance-plan and enforcement process. Its relevance to credit is concrete: repayment evidence, independent review, information security, controlled growth and credible remediation.
12 CFR Part 5: a national charter is an operating commitment
The OCC’s April 2026 clarification preserves the existing scope of national trust-bank authority. For any charter applicant, the real questions remain permissible activities, sustainable capital, management, controls and the permissions needed beyond the charter.
Official policy
View all 17 →Section 314(b) — updated fraud-sharing guidance ↗
Links to the June 12, 2026 fact sheet and current participation resources.
Official sourceAML program reform proposal ↗
April proposal concerning risk-based financial-institution AML programs.
Official releaseBank Secrecy Act general rules — 31 CFR Part 1010 ↗
General definitions, reporting, records and information-sharing requirements.
Official textBank Secrecy Act rules for banks — Part 1020 ↗
Bank-specific AML, customer identification, reporting and recordkeeping rules.
Official textBank suspicious activity reports — 31 CFR 1020.320 ↗
Bank SAR obligations, timing, records and confidentiality.
Official textBeneficial ownership reporting — August 2026 final rule ↗
Revises CTA reporting; distinct from a bank’s customer due-diligence obligations.
Official sourceCustomer due diligence — 31 CFR 1010.230 ↗
Beneficial-owner identification and verification requirements for covered institutions.
Official textCustomer Identification Program — FFIEC examination guidance ↗
Bank CIP examination guidance covering identification, verification, recordkeeping and reliance arrangements. Links the operating controls to their BSA regulatory authority; using a vendor does not by itself satisfy the bank’s program obligations.
Official source
Sources
View all 51 →About-Fraud ↗
Fraud resources and commentary
SourceACFE / Fraud Magazine ↗
Fraud research and investigations
SourceFrank on Fraud ↗
Frank McKenna’s fraud analysis
SourceThomson Reuters risk, fraud & compliance ↗
Professional analysis and research
SourceAbrigo ↗
Bank risk, lending and compliance
SourceACAMS Today ↗
AML and financial-crime coverage
SourceAlloy ↗
Identity and risk orchestration
SourceBankInfoSecurity ↗
Financial-sector security
Source