Compliance
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Fewer Exams, Fewer MRAs: Your Program Has to Find Problems First
Two September rules give well-rated banks under $6 billion real relief. They also push compliance problems later, where they cost more.
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The TPRM Rewrite Isn’t a Pass for Sponsor Banks
The agencies want less checklist and more judgment. That raises the bar on your documentation. It doesn’t lower it.
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Your Sponsor Bank Will Ask for a Regulatory Map. Build It First.
A regulatory applicability matrix is the cheapest way for a fintech to show it knows which rules it lives under, and the place most gaps first…
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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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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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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 Just Entered 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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