Forward to: Compliance

Regulatory Compliance
Workflows

Ten agent workflows for the Compliance team — automated Basel III/IV monitoring, regulatory change tracking, examination readiness intelligence, cross-border compliance mapping, consumer protection monitoring, fair lending analysis, vendor compliance assessment, regulatory reporting enrichment, emerging regulation detection, and compliance training intelligence — providing comprehensive domain-level regulatory compliance signals.

1Basel III/IV Monitoring

AI agent monitors global regulatory authority websites for Basel III/IV implementation updates, capital requirement changes, liquidity ratio modifications, and leverage ratio adjustments that impact bank capital planning and regulatory capital calculations.

1
Track Basel Implementation Updates
/docs /press /compliance /events Countries Domain Ages
BASEL REGULATORY MONITORING — GLOBAL IMPLEMENTATION ════════════════════════════════════════════════════════════ REGULATORY DOMAINS MONITORED: 147 central bank and supervisory authority sites FOCUS: Basel III endgame / Basel IV implementation federalreserve.gov /docs: Revised Basel III endgame proposal published — comment period extended /press: Chair speech: "phased implementation approach" — softer stance signal /events: Public hearing scheduled for March 2026 — opportunity to comment bis.org (Bank for International Settlements) /docs: Updated FAQ on output floor implementation timeline /press: BCBS monitoring report: 4 jurisdictions behind schedule /compliance: Updated FRTB implementation guidance published eba.europa.eu (European Banking Authority) /docs: Final CRR3 technical standards adopted — EU Basel IV implementation /press: Jan 2025 effective date confirmed — no further delays /compliance: Reporting template updates published for CET1 calculations
2
Assess Capital Impact
Regulatory Signal
Basel III Endgame — Softening Stance Detected — Fed Chair's "phased implementation" language and comment period extension suggest lower capital impact than originally proposed. EU CRR3 adoption confirms divergent transatlantic timelines. Recommend updating capital planning models with revised US timeline (2027 start) and adjusted output floor calibration.
CAPITAL PLANNING — Update models with revised implementation timeline
3
Track Implementation Timeline
Basel III/IV Implementation Timeline
2025-07-27 Fed issues revised Basel III endgame proposal — reduced capital impact
2025-10-15 Comment period extended 60 additional days
2025-12-01 EU CRR3 technical standards finalized by EBA
2026-01-01 EU Basel IV implementation effective (CRR3)
2026-02-15 Fed Chair signals phased US approach — 2027 start likely

2Regulatory Change Tracking

AI agent monitors regulatory authority websites, government portals, and industry association pages for new rules, proposed regulations, enforcement actions, and guidance updates that require bank compliance program changes.

1
Scan Regulatory Change Universe
/docs /press /legal /compliance Countries OpenPageRank
REGULATORY CHANGE TRACKING — WEEKLY DIGEST ════════════════════════════════════════════════════════════ REGULATORY SOURCES: 247 government and authority domains CHANGES DETECTED: 34 this week HIGH-IMPACT CHANGES: occ.gov (Office of the Comptroller of the Currency) /docs: New guidance on third-party risk management — effective immediately /press: $12M CMP against mid-size bank for BSA violations Impact: Requires updated vendor management framework within 90 days consumerfinance.gov (CFPB) /docs: Proposed rule on open banking data sharing — Section 1033 /press: Enforcement action against fintech for unfair practices Impact: 12-month compliance deadline if finalized fdic.gov /docs: Updated deposit insurance coverage FAQ — clarifying new limits /compliance: Simplified examination procedures for community banks Impact: Minor — update disclosures and training materials
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Prioritize Compliance Actions

Regulatory Change Report — Week of Feb 17, 2026

CHANGE IMPACT SUMMARY ──────────────────────────────────────── Changes detected: 34 | High impact: 3 | Medium: 8 | Low: 23 IMMEDIATE ACTION ITEMS 1. OCC third-party risk guidance — update vendor management framework (90-day deadline) 2. CFPB Section 1033 — begin impact assessment for open banking compliance 3. OCC BSA enforcement — review own BSA program for similar vulnerabilities 4. FDIC deposit insurance FAQ — update customer-facing disclosures 5. 23 low-impact changes — route to respective business line compliance officers

3Examination Readiness Intelligence

AI agent monitors regulatory examination trends, enforcement patterns, and supervisory focus areas by analyzing regulatory authority communications, consent order patterns, and MRA/MRIA trends across peer bank domains to prepare for upcoming examinations.

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Analyze Examination Focus Patterns
/press /docs /compliance /events IAB Categories Domain Ages
EXAMINATION READINESS — PEER ENFORCEMENT ANALYSIS ════════════════════════════════════════════════════════════ PEER BANKS MONITORED: 87 comparable-size institutions ENFORCEMENT ACTIONS TRACKED: 347 in last 12 months EXAMINATION FOCUS AREAS (trending up): BSA/AML Compliance — 34% of enforcement actions (up from 22%) 12 consent orders issued to peer banks in last 6 months Common findings: inadequate transaction monitoring, weak SAR filing practices Avg penalty: $8.4M | Largest: $42M (regional bank, similar asset size) Third-Party Risk Management — 28% of enforcement actions (up from 14%) 8 MRAs issued for fintech partnership oversight failures Common findings: inadequate due diligence, missing SLA monitoring Cybersecurity/IT Risk — 18% of enforcement actions (stable) 5 consent orders for incident response and data protection Common findings: outdated incident response plans, insufficient testing
2
Generate Readiness Assessment
Examination Signal
BSA/AML — Primary Examination Risk — 34% of peer enforcement actions (up 55% YoY) focus on BSA/AML. Common finding patterns: transaction monitoring gaps and SAR filing delays — areas we should self-assess before Q2 examination. Third-party risk management is second-highest area at 28%. Recommend conducting internal readiness review of both areas within 30 days.
HIGH FOCUS — BSA/AML and third-party risk are top exam priorities

4Cross-Border Compliance Mapping

AI agent monitors international regulatory requirements across jurisdictions where the bank operates, tracking local compliance changes, data localization requirements, and cross-border information sharing regulations.

1
Map Jurisdictional Requirements
/docs /compliance /legal /press Countries Domain Ages
CROSS-BORDER COMPLIANCE — 14 OPERATING JURISDICTIONS ════════════════════════════════════════════════════════════ REGULATORY CHANGES BY JURISDICTION: mas.gov.sg (Monetary Authority of Singapore) /docs: New AI governance framework for financial institutions — effective Q3 2026 /compliance: Updated anti-money laundering guidelines Impact: Requires AI model documentation and explainability for all customer-facing AI fca.org.uk (UK Financial Conduct Authority) /docs: Consumer Duty expanded scope — includes digital channels /press: Record fines for customer outcome failures — £342M in 2025 Impact: Requires digital channel customer outcome monitoring by Q4 2026 bafin.de (Germany) /docs: Updated outsourcing requirements aligned with EBA guidelines /compliance: DORA compliance deadline approaching — Jan 2025 effective Impact: Digital operational resilience testing required for critical systems
2
Prioritize Cross-Border Actions

Cross-Border Compliance Dashboard — Q1 2026

JURISDICTIONAL COMPLIANCE STATUS ──────────────────────────────────────── Jurisdictions: 14 | Regulatory changes tracked: 47 | Actionable: 12 PRIORITY COMPLIANCE ACTIONS 1. UK Consumer Duty expansion — digital channel monitoring (Q4 2026 deadline) 2. Singapore AI governance — document all customer-facing AI models (Q3 2026) 3. Germany DORA — complete resilience testing for critical systems 4. EU data localization — review cross-border data transfers post-GDPR update 5. 8 low-impact changes — route to local compliance officers

5Consumer Protection Monitoring

AI agent monitors consumer protection regulatory developments, CFPB actions, state AG initiatives, and industry complaint patterns to ensure the bank's consumer products and practices remain compliant with evolving consumer protection standards.

1
Track Consumer Protection Trends
/press /docs /compliance /blog IAB Categories Personas
CONSUMER PROTECTION INTELLIGENCE — ENFORCEMENT TRENDS ════════════════════════════════════════════════════════════ consumerfinance.gov (CFPB) /press: $89M penalty against bank for overdraft fee practices /docs: Proposed rule: eliminate NSF fees on representment /blog: Director blog: "junk fees in banking must end" — policy signal /compliance: Updated examination procedures for fee disclosures STATE AG ACTIONS (multi-state coordination): ag.ny.gov — Settlement with fintech lender: $34M, unfair lending practices oag.ca.gov — Investigation into AI-powered lending discrimination ag.il.gov — New state privacy law impacting financial data use
2
Assess Bank Exposure
Consumer Protection Signal
Fee Practices Under Scrutiny — CFPB Director's blog + $89M penalty + proposed NSF rule = coordinated campaign against bank fees. Our overdraft and NSF fee practices should be reviewed immediately for alignment. California AG investigation into AI lending discrimination creates additional risk for our AI-powered credit decisioning models. Recommend proactive fee practice audit and fair lending review of AI models.
HIGH EXPOSURE — Review fee practices and AI lending models

6Fair Lending Analysis

AI agent supports fair lending compliance by monitoring regulatory enforcement patterns, peer institution consent orders, HMDA data trends, and advocacy organization websites for emerging fair lending issues and disparate impact indicators.

1
Monitor Fair Lending Enforcement
/press /docs /about /blog IAB Categories Personas
FAIR LENDING INTELLIGENCE — ENFORCEMENT & ADVOCACY ════════════════════════════════════════════════════════════ REGULATORY ENFORCEMENT: justice.gov (DOJ) /press: Filed redlining complaint against 2 mid-size banks /press: New "Combating Redlining Initiative" — expanded scope to non-bank lenders ADVOCACY MONITORING: ncrc.org (National Community Reinvestment Coalition) /press: Published CRA performance analysis — named underperforming banks /blog: Series on "digital redlining" — algorithmic lending discrimination /about: Hired former CFPB enforcement attorney as policy director Personas: Community development, fair lending advocates nfha.org (National Fair Housing Alliance) /press: Filed AI lending discrimination complaint against fintech lender /blog: Campaign targeting "proxy discrimination" in alternative data
2
Assess Fair Lending Risk
Fair Lending Signal
AI Lending Discrimination — Emerging Enforcement Focus — DOJ redlining initiative expansion + NFHA AI discrimination complaint + NCRC "digital redlining" campaign = converging fair lending enforcement focus on algorithmic lending. Our AI credit models using alternative data are exposed. Recommend immediate disparate impact testing of all AI-powered lending models and proactive engagement with compliance counsel.
EMERGING RISK — Test AI models for disparate impact immediately

7Vendor Compliance Assessment

AI agent assesses vendor and third-party compliance posture by analyzing vendor websites for regulatory certifications, compliance disclosures, data protection policies, and operational resilience indicators required under bank regulatory guidance.

1
Assess Vendor Compliance Posture
/compliance /security /legal /about Domain Ages OpenPageRank
VENDOR COMPLIANCE ASSESSMENT — 847 CRITICAL VENDORS ════════════════════════════════════════════════════════════ cloudpayments-saas.com — Payment processing vendor (Critical) /compliance: SOC 2 Type II, PCI-DSS Level 1, ISO 27001 — all current /security: Comprehensive security page, incident response plan published /legal: Business continuity plan summary available /about: Established 2012, regulated financial services provider Domain Age: 4,847 days | PageRank: 5.2/10 VENDOR COMPLIANCE SCORE: 91/100 — Strong posture aianalytics-startup.io — AI analytics vendor (High) /compliance: No compliance certifications page exists /security: Basic security page — "we take security seriously" only /legal: Privacy policy references CCPA but not GLBA /about: "Fast-growing startup" — 2024 founded Domain Age: 412 days | PageRank: 1.8/10 VENDOR COMPLIANCE SCORE: 24/100 — Material gaps detected
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Flag Compliance Deficiencies
Vendor Signal
AI Analytics Startup — Non-Compliant Vendor — No SOC 2 or ISO certifications, inadequate security disclosures, privacy policy doesn't reference GLBA (required for banking vendors). Domain age 412 days and low PageRank indicate startup risk. Under new OCC third-party risk guidance, this vendor requires either immediate remediation plan or contract termination within 90 days.
NON-COMPLIANT — Remediation plan or termination required

8Regulatory Reporting Enrichment

AI agent enriches regulatory reporting by monitoring peer bank filings, industry association guidance, and regulatory authority reporting requirements to ensure accuracy, timeliness, and completeness of all regulatory submissions.

1
Track Reporting Requirement Changes
/docs /compliance /press /events Domain Ages Countries
REGULATORY REPORTING CHANGES — Q1 2026 ════════════════════════════════════════════════════════════ ffiec.gov (Federal Financial Institutions Examination Council) /docs: Revised Call Report instructions — new climate risk disclosures /compliance: Updated HMDA data validation rules /press: Common reporting errors bulletin — top 10 issues for 2025 sec.gov /docs: New cybersecurity incident reporting — 4 business day deadline /compliance: Updated climate disclosure rules — phased implementation PEER BANK REPORTING ISSUES: 3 peer banks received reporting deficiency notices (Call Report errors) Common error: Climate risk exposure classification in new reporting fields Our Q1 filing should be reviewed for same classification risk
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Generate Filing Readiness Checklist

Regulatory Reporting Readiness — Q1 2026

FILING READINESS STATUS ──────────────────────────────────────── Upcoming filings: 14 | Template changes: 3 | New requirements: 2 ACTION ITEMS 1. Call Report: Incorporate new climate risk disclosure fields (first filing) 2. SEC Form 8-K: Update incident reporting procedures for 4-day deadline 3. HMDA: Apply updated data validation rules before March submission 4. Review FFIEC common errors bulletin — compare against our filing practices 5. Peer bank deficiency patterns suggest focus on climate exposure classifications

9Emerging Regulation Detection

AI agent detects emerging regulatory trends by monitoring legislative bodies, think tanks, industry associations, and advocacy organizations for early signals of regulatory changes that may impact banking operations in the next 12-24 months.

1
Scan Early Regulatory Signals
/blog /press /docs /events IAB Categories Personas
EMERGING REGULATION RADAR — 12-24 MONTH HORIZON ════════════════════════════════════════════════════════════ HIGH PROBABILITY (>70% of becoming regulation): congress.gov /docs: AI in Financial Services Act — bipartisan co-sponsors, committee hearing scheduled Expected impact: Mandatory AI model governance, algorithmic auditing requirements whitehouse.gov /press: Executive order on AI safety — directs financial regulators to propose rules /blog: OMB memo on AI procurement — impacts vendor management MODERATE PROBABILITY (40-70%): brookings.edu (think tank — policy influence) /blog: Series on "stablecoin regulation" — authored by former Fed Governor /events: Congressional briefing on digital asset regulation — March 2026 Personas: Policy makers, regulators EMERGING: Stablecoin legislation gaining momentum
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Assess Strategic Implications
Emerging Regulation
AI Governance Regulation — 18 Month Timeline — Bipartisan bill + executive order + regulatory mandate = AI governance regulation inevitable. Mandatory algorithmic auditing will impact credit decisioning, fraud detection, and marketing models. Early preparation provides competitive advantage — banks with governance frameworks in place will face less disruption. Recommend initiating AI governance program now.
PREPARE NOW — AI governance regulation inevitable within 18 months

10Compliance Training Intelligence

AI agent identifies compliance training needs by monitoring regulatory changes, enforcement trends, and industry best practices — then cross-referencing with the bank's current training programs to identify gaps and prioritize compliance education investments.

1
Identify Training Gaps
/docs /press /events /blog IAB Categories Personas
COMPLIANCE TRAINING GAP ANALYSIS ════════════════════════════════════════════════════════════ ENFORCEMENT-DRIVEN TRAINING NEEDS: BSA/AML — 34% of enforcement actions, peer banks cited for: Insufficient SAR filing training — investigators missing structuring patterns Transaction monitoring alert handling — high false positive dismissal rates TRAINING GAP: Critical — update BSA curriculum immediately Third-Party Risk — 28% of enforcement actions: Vendor oversight training insufficient for new OCC guidance Fintech partnership due diligence procedures not documented TRAINING GAP: Significant — new module needed within 90 days EMERGING TRAINING NEEDS: AI Ethics & Governance — Pre-regulatory: No current training program for AI model governance California AG investigation signals enforcement is coming TRAINING GAP: Proactive — develop program before regulation mandates it
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Generate Training Roadmap

Compliance Training Roadmap — 2026

TRAINING PRIORITY MATRIX ──────────────────────────────────────── Training gaps identified: 8 | Critical: 2 | Significant: 3 | Proactive: 3 TRAINING CALENDAR Q1 2026: Updated BSA/AML curriculum (all front-line staff, investigators) Q1 2026: Third-party risk management (vendor management team, business lines) Q2 2026: AI ethics and governance (data science team, model risk management) Q2 2026: Consumer protection/fair lending refresh (lending officers, marketing) Q3 2026: Cybersecurity incident response (IT, operations, executive team) Q3 2026: Cross-border compliance (international operations, treasury) Q4 2026: Climate risk reporting (finance, risk management) Q4 2026: Digital asset/stablecoin awareness (treasury, compliance)
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