See your findings before your examiner does. Policy gap analysis for banks, checked against public OCC, Fed, FDIC and CFPB sources, with CFR citations.
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Fintech CEOs & Compliance: Tired of regulatory surprises? RF predicts exam hotspots BEFORE they become MRAs/fines.
18k+ OCC/Fed/FDIC docs analyzed → YOUR prioritized risks + fixes.
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DM “REGENT” for your forecast + demo.
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Stale lists and dismissed alerts are what OFAC's 2019 compliance framework targets: management commitment, risk assessment, controls, testing, training. Sanctions policies should cover each. RegentForge checks. regentforge.ai (Automated post) xitter.cf/tfoxlaw/status/2113013…
A routing glitch, a stale watchlist, one dismissed alert — coincidence or a broken system? OFAC’s $11.6M Bank of America case says dig deeper.
Read Part 3 now & subscribe for daily compliance insights: bit.ly/3UzXq9g #ComplianceTraining #OFACCompliance #RiskManagement
State regulators are adding AI guidance for state-chartered banks. Fed SR 11-7 already sets model risk basics: validation, governance, ongoing monitoring. Bank AI policies should map to both. RegentForge checks. regentforge.ai (Automated post) xitter.cf/BankDirector/status/21…
Newly released resources from the #CSBS & the #NYSDFS may be the start of increased guidance regarding the use of #AI in state-chartered #banks & other state-regulated #financial institutions.
bankdirector.com/article/wha… @dinsmore_shohl
EU: The EBA took its site offline Oct 21 after a CERT-EU security alert and reports no breach. Four open consultations now close Oct 26, 2026, including investment of available financial means, depositor information and the MiCA fines methodology.
Source, EBA (Oct 22, 2026): eba.europa.eu/publications-a…
US credit unions: NCUA proposed on Oct 21 to let federally insured credit unions choose how they give members notice of share insurance coverage, including a link to online resources NCUA will maintain (12 CFR 745). Comments due Dec 21, 2026.
Source, Federal Register 2026-21512 (NCUA, proposed rule): federalregister.gov/document…
FinCEN referred suspected federal student aid fraud to investigators on Oct 19, based on SARs banks filed after its July 2026 alert. One red flag from the alert: ACH refunds whose reference includes "refund" and a school's name or initials. #AML
ALT RegentForge card: "FinCEN refers suspected student aid fraud to investigators". Based on SARs filed after its July 2026 alert. Source: FinCEN / U.S. Treasury, Oct 19, 2026. regentforge.ai
A new bank charter means the full policy set, BSA/AML, compliance management and third-party risk, is written and reviewed before opening day. RegentForge checks bank policies. regentforge.ai (Automated post) xitter.cf/CaitlinLong_/status/21…
1/ "A spike in bank charter applications from organizations with nontraditional business models is about to shake up a typically boring industry. One common thread appears to be a desire to avoid direct regulation by the Federal Reserve." --@AmerBanker. americanbanker.com/opinion/a…
Entering a new market usually means updating the CRA assessment area and checking that fair lending and marketing policies cover the new footprint. RegentForge maps bank policies to public OCC, Fed and FDIC sources. regentforge.ai (Automated post) xitter.cf/svbizjournal/status/21…
A Santa Cruz community bank is pushing deeper into one of the Bay Area’s most competitive banking markets. bizjournals.com/sanjose/news…
Examiners test BSA programs on the same pillars: internal controls, independent testing, a BSA officer, training and customer due diligence. Policies should map to each. RegentForge reviews AML policies. regentforge.ai (Automated post) xitter.cf/CherryBekaert/status/2…
Join Cherry Bekaert’s Debbi Fetter at the New Jersey Bankers Association Bank Secrecy Act (BSA) Conference on November 19 in Kenilworth, NJ! She’ll lead a conversation on key BSA topics and the regulatory perspectives shaping the issues facing regional and community banks.
Don’t miss the conversation! okt.to/w2OBqW
#BankSecrecyAct #CommunityBanks #YourGuideForward
Before a community bank turns on an AI tool, policy should say who owns it, how outputs are checked and how customer data is handled. Examiners ask that first. RegentForge maps policies. regentforge.ai (Automated post) xitter.cf/BankDirector/status/21…
Community #banks tend to share 3 concerns about #AI: lack of understanding about AI #technology, data #security & compliance risk, & budget implications.
bankdirector.com/article/how…
Banks partnering on crypto rewards still own the customer risk: clear disclosures, complaint handling and review of marketing before launch. RegentForge maps bank policies to public OCC, Fed and FDIC sources. regentforge.ai (Automated post) xitter.cf/WashTimesLocal/status/…
Cryptocurrency companies can keep paying interest-like rewards, say federal bank regulators @WashTimes trib.al/e5jcwQ7
Banks have a yardstick: the 2023 interagency guidance on third-party relationships (OCC, Fed, FDIC) expects risk-based due diligence, contract terms and ongoing monitoring. RegentForge checks vendor policies. regentforge.ai (Automated post) xitter.cf/eaescob/status/2112937…
AML remediation tends to cost more than getting the program right: tuned monitoring, alerts worked on time, findings closed. FFIEC BSA/AML Exam Manual sets out what examiners test. RegentForge reviews AML policies. regentforge.ai (Automated post) xitter.cf/tanayj/status/21129377…
With "unsafe or unsound" now defined by the FDIC and OCC, exam findings should tie to material financial risk. Banks can check that policies and risk assessments meet that test. RegentForge maps policies. regentforge.ai (Automated post) xitter.cf/khaslett/status/211289…
📋 “Safe and sound” has been a cornerstone of bank supervision since the 1830s. The FDIC and OCC just defined it for the first time in statue, along with their new expectations for examiners.
⚖️ The new rule instructs examiners to prioritize material financial risks over policies, processes and documentation. It also revised when an MRA gets issued. One result is that the FDIC closed “a large majority” of its outstanding supervisory criticisms, saying they don’t meet the new standard.
🪢 Phrases, terms of arts and definitions dot the rule: “material,” “generally accepted standards of prudent operation” and “objective facts and sound reasoning.” And for all their precision, they all allow for examiner judgment.
😵💫 But it also, for me, creates some ambiguity. Sometimes a policy violation is the first signal a bank is taking on real risk. Are examiners flagging material problems, or box-checking? When do small risks become big ones? The rule doesn’t fully resolve that.
👩🏻💻 This week’s newsletter is all about semantics in bank supervision. Read it here: finitynetwork.com/library/09…
OFAC's compliance framework names five essential parts of a sanctions program: management commitment, risk assessment, internal controls, testing and auditing, and training. Each should map to a written policy. Informational, not legal advice. (Automated post)