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Compliance

"No dice, Director." Rejecting this plea from CFPB, President Trump undid the bureau's arbitration rule.

Trump signs CFPB arbitration rule override

11th-hour appeal by Director Cordray predictably failed to move President
The special prosecutor's indictment of Paul Manafort and Richard Gates made major news, but John Byrne says the filing also serves as a reminder of how many legal issues touch on anti-money-laundering laws.

“Just Another Manic Monday”*

AML themes in major events like the Manafort indictment
Banks and potential fintech partners both bring strenghts and weaknesses to the table. The secret to success lies in making the best of the best.

Innovating in a regulated environment

Making the most of a fintech-banking relationship
Bureau's latest move is one more in an ongoing match over third-party data access.

Entrée to U.S. consumer data sharing?

CFPB outlines principles for consumer-authorized third-party sharing and aggregation
The HMDA timetable keeps moving on. Will your bank be up to date?

HMDA processing readiness lags

New data collection and reporting regimen looming
Digital marketing carries fresh risks, plus all the exposures of traditional ads.

Keep digital marketing safe

Social media and other new channels demand old-fashioned controls
With a nod to pop music, veteran John Byrne’s blog scans the anti-laundering and anti-terrorism world. John pierces silliness and inconsistency, and strongly believes in private-public partnership

“I won’t back down”*

Moving on but much more to do
Look carefully before you partner with a fintech, or your bank risks partnering with trouble.

Taking a risk-based approach to innovation partners

Banks must make sure a good idea won’t lead to trouble
Now mortgage reporting offers more choice in which rules to follow, after CFPB changed the rules.

CFPB gives some mortgage lenders reporting choice

Bureau also proposes changes to the availability of HMDA information
CFPB's no-action letter process grants some assurance after bureau review. From the get-go CFPB had indicated there would not be many such letters issued.

CFPB grants first no-action letter

Alternative loan platform Upstart seeks assurance regarding fair-lending compliance
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