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FinCEN ended Corporate Transparency Act reporting for US companies in 2025 and made it final in August 2026. The bank-side customer due diligence rule, 31 CFR 1010.230, was not changed. Here is what banks must still collect and how to check it.
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106 articles
What the 2023 interagency third-party risk guidance and the 2024 bank-fintech statement ask of a sponsor bank that lends through a fintech partner, what ongoing monitoring means for a loan program, and where the guidance stands in October 2026.
Regulation B requires a specific statement of the principal reasons for every credit denial, whatever made the decision. What 12 CFR 1002.9 says, what the CFPB's withdrawn circulars added, and how to keep the reasons and evidence for each decision.
Thirty-seven states have their own payday lending statutes, and the limits differ on loan size, term, renewals and income tests. Nevada NRS 604A is the worked example, with the checks a lender runs on every loan.
Who counts as a covered borrower under the Military Lending Act, what the 36 percent Military APR includes, how the Defense Department database safe harbor works, and how to test a loan book for loans that should not have been made.
How to rebuild the APR on a closed-end installment loan with the Regulation Z actuarial method, compare it with the disclosure, apply the 1/8 and 1/4 percentage point tolerances, and tie out the finance charge, amount financed and total of payments.
What CFPB examiners found when banks charged a new NSF fee each time the same payment was re-presented, why core processor defaults were cited, where the rescinded FDIC guidance leaves institutions, and how to test a transaction history for repeat fees on one payment.
What the CFPB payday rule's payment provisions require after two consecutive failed withdrawals, which loans are covered, what the notices and new authorization must contain, where the rule stands in October 2026, and how to test every loan's payment history.
The three Nacha return rate limits for lenders collecting by ACH debit, which return codes count toward each, how Nacha says to calculate them over 60 days, what happens when one is crossed, and how to see a rising rate in loan histories first.
Why a random loan sample finds errors spread across a book but misses errors clustered in a few weeks of originations, the sampling math in plain words, what the PCAOB AS 2315 amendment effective December 15, 2026 changes, and what testing every loan needs.
How a medical necessity review runs from request to determination, the CMS decision timeframes that apply from 2026, why AI can prepare a review but a clinician must decide a denial, and what California SB 1120 adds.
The three layers of an audit trail for AI in loan underwriting: value-level sources and confidence, policy tests with versions, and decisions with approvals. What Regulation B, the OCC and NIST expect, and what changed in April 2026.