Articles
Plain-language analysis of what regulators are doing and what it means for your program.
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Reg B Dropped Disparate Impact. Fair Lending Programs Shouldn’t.
The CFPB’s Regulation B amendments take effect July 21. Your fair lending exposure shrinks less than the headlines suggest.
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Switching Sponsor Banks: The Compliance Work Nobody Plans For
The commercial deal takes months. The compliance work behind it usually gets a few weeks, and customers notice.
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FinCEN’s AML Rewrite Puts Your Risk Assessment on Trial
The proposal separates program design from day-to-day execution. Your risk assessment is what connects the two.
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Your Marketing Copy Is a Compliance Document
Fintechs write marketing to win customers. Sponsor banks and their examiners read it as a list of promises.
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Debanking Is Now a Two-Sided Risk for Your Bank
For years, the regulatory message to banks on account management was consistent: exit relationships that present unacceptable BSA/AML risk. Close the accounts for the…
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The OCC’s Quiet Reset for Community Banks
Between September and November 2025, the OCC made a series of changes to how it supervises community banks. No single announcement made national headlines.…
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State Regulators Are in the BaaS Chat
For the past two years, BaaS enforcement has been a federal story. The FDIC issued consent orders against Blue Ridge Bank, Piermont Bank, and…
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The CTA Got Gutted. Your CDD Obligations Didn’t.
In March 2025, FinCEN published an interim final rule that removed the requirement for U.S. companies and U.S. persons to report beneficial ownership information…
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The CFPB Is Down. Your Compliance Obligations Aren’t.
On February 10, 2025, CFPB employees arrived to work and found themselves locked out. Acting Director Russell Vought had issued a stop-work order halting…
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