Scams, identity, transaction monitoring and financial-crime controls.
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.
Published: Sep 27, 2026The 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.
Published: Sep 27, 2026The 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.
Published: Sep 27, 2026Bank 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?
Published: Sep 26, 2026Four-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.
Published: Sep 26, 2026The OCC’s 2024 order connects financial-crime controls to balance-sheet growth. A current-status review separates management’s remediation milestones from regulatory release.
Published: Sep 27, 2026The terminated CFPB unemployment-benefit-card order illustrates false-positive harm, identity-verification bottlenecks and the need to preserve error-resolution rights.
Published: Sep 27, 2026A practical evaluation of Fraud Signal, custom-model hosting and agent-assisted investigations, with separate evidence standards for prediction and workflow automation.
Published: Sep 27, 2026How behavioral intelligence can complement identity and transaction controls, why unusual behavior is not proof of fraud, and how to evaluate newer sequence-model research.
Published: Sep 27, 2026An evidence-focused review of device signals, issuing-risk models and foundation-model claims, including how to interpret AUC-PR and test cross-institution performance.
Published: Sep 27, 2026A successful login does not settle who authorized a transfer. Regulation E requires a documented investigation, separate liability analysis and timely access to provisional funds.
Published: Sep 27, 2026The December 18, 2023 Choice Financial Group order connects board oversight, partner customer data, monitoring, lookbacks and staffing. It is a case study in proving that outsourced activity remains visible to the bank.
Published: Sep 27, 2026The June 2024 Evolve order links fintech oversight to AML, consumer compliance, credit, liquidity and board reporting. Its restrictions show why partner growth and exit both require a bank-wide risk assessment.
Published: Sep 27, 2026What 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.
Published: Sep 27, 2026June 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.
Published: Sep 27, 2026A study of the February 2024 consent order, prepaid-program oversight and the gap between delegated work and verified controls.
Published: Sep 26, 2026Understand the score, validate the intervention and distinguish synthetic-identity risk from ordinary credit risk.
Published: Sep 26, 2026Consent, purpose, number hygiene and opt-out controls across servicing, collections, fraud and marketing.
Published: Sep 26, 2026A historical control map for fintech onboarding, BSA/AML, capital, liquidity and board accountability.
Published: Sep 26, 2026Fraud decisioning, digital trust and the evidence needed to evaluate performance claims.
Published: Sep 26, 2026Seeks input on possible changes to the government-and-business impersonation rule, including the role of platforms and services in facilitating scams. An advance notice explores options; it does not impose the contemplated new duties.
Source date: Sep 24, 2026Revises CTA reporting; distinct from a bank’s customer due-diligence obligations.
Source date: Aug 14, 2026Links to the June 12, 2026 fact sheet and current participation resources.
Source date: Jun 12, 2026Treasury proposal for stablecoin issuer AML and sanctions compliance programs.
Source date: Apr 8, 2026April proposal concerning risk-based financial-institution AML programs.
Source date: Apr 7, 2026Final guidance on identity proofing, authentication and federation, replacing SP 800-63-3. Useful for evaluating assurance levels and vendor controls; it does not independently establish compliance with bank CIP requirements.
Source date: Jul 31, 2025Sanctions risk assessment, internal controls, testing, training and management commitment.
Source date: May 2, 2019Consumer transfers, error resolution, unauthorized payments and remittances.
General definitions, reporting, records and information-sharing requirements.
Bank-specific AML, customer identification, reporting and recordkeeping rules.
Beneficial-owner identification and verification requirements for covered institutions.
Voluntary information sharing, eligibility, notice and safe-harbor conditions.
Bank SAR obligations, timing, records and confidentiality.
Sanctions-related reporting, procedures and enforcement guidelines.
Law-enforcement requests and the separate mandatory information-sharing process.
Debit-card interchange standards, exemptions, fraud-prevention adjustments and network-routing restrictions. Relevant to issuer economics and merchant acceptance; coverage differs across issuers and provisions.
Special card provisions covering issuance, unauthorized use, claims and defenses, and selected account practices. Claims-and-defenses rights have their own conditions and should not be conflated with billing-error procedures.
Consumer-liability rules for unauthorized electronic fund transfers, including the effect of notice timing and access-device loss. Read alongside error-resolution procedures, rather than treating fraud classification alone as the liability decision.
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.
Recordkeeping provisions for financial institutions, including funds-transfer information and transmission requirements. Relevant to payment-chain data quality; apply the rule’s definitions, thresholds and exceptions.
Official examination modules for BSA/AML programs, regulatory requirements and selected products and customer risks. Sections carry their own update dates; the manual explains examination procedures and does not replace the underlying rules.