{"abstract":"The Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA) (collectively, \"the Agencies\" or \"Agency\" when referencing the singular) are inviting comment on a proposed rule that would require banks to establish and maintain effective anti-money laundering and countering the financing of terrorism (AML/CFT) programs reasonably designed to identify, assess, and mitigate risks of illicit finance. The amendments are intended to align with changes that are being concurrently proposed by the Financial Crimes Enforcement Network (FinCEN) to implement provisions of the Anti-Money Laundering Act of 2020 (AML Act). Among other changes, this proposed rule would ensure that institutions establish and maintain effective AML/CFT programs that are intended to better achieve the purposes of the Bank Secrecy Act (BSA), culminating in the development of highly useful information related to illicit financial transactions for law enforcement and national security agencies. Through this rulemaking, the Agencies also intend to modernize and reform Federal supervision of AML/CFT programs by enhancing FinCEN's role in AML/CFT supervision and enforcement.","action":"Notice of proposed rulemaking.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/04/10/2026-06948.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"21","title":12},{"chapter":null,"citation_url":null,"part":"326","title":12},{"chapter":null,"citation_url":null,"part":"748","title":12}],"citation":"91 FR 18304","comment_url":"http://www.regulations.gov/commenton/OCC-2024-0005-0018","comments_close_on":"2026-06-09","correction_of":null,"corrections":[],"dates":"Written comments may be submitted on or before June 9, 2026.","disposition_notes":null,"docket_ids":["Docket ID OCC-2024-0005","Docket ID NCUA-2024-0033"],"dockets":[{"supporting_documents":[],"agency_name":"NCUA","documents":[{"comment_count":0,"comment_start_date":"2026-04-10","updated_at":"2026-04-10T09:58:16.681-04:00","comment_url":"https://www.regulations.gov/commenton/NCUA_FRDOC_0001-0504","allow_late_comments":false,"id":"NCUA_FRDOC_0001-0504","comment_end_date":"2026-06-10","regulations_dot_gov_open_for_comment":true}],"supporting_documents_count":3,"id":"NCUA_FRDOC_0001","title":"Recently Posted NCUA Rules and Notices."},{"supporting_documents":[{"title":"Summary of 06.13.2025 Meeting with JPMorgan Chase","document_id":"OCC-2024-0005-0017"},{"title":"Bank Secrecy Act Compliance Program NPR, FINAL RIA Memo May 9, 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-0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06948.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06948.pdf?1775738713","publication_date":"2026-04-10","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06948.txt","regulation_id_number_info":{"3133-AG08":null,"3064-AF34":{"issue":"202404","html_url":"https://www.federalregister.gov/regulations/3064-AF34/anti-money-laundering-and-countering-the-financing-of-terrorism-program-requirements","title":"Anti-Money Laundering and Countering the Financing of Terrorism Program Requirements","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202404&RIN=3064-AF34&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"1557-AF14":{"issue":"202404","html_url":"https://www.federalregister.gov/regulations/1557-AF14/amendments-to-bank-secrecy-act-compliance-program-rule","title":"Amendments to Bank Secrecy Act Compliance Program Rule","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202404&RIN=1557-AF14&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1557-AF14","3064-AF34","3133-AG08"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Summary of 06.13.2025 Meeting with JPMorgan Chase","document_id":"OCC-2024-0005-0017"},{"title":"Bank Secrecy Act Compliance Program NPR, FINAL RIA Memo May 9, 2024","document_id":"OCC-2024-0005-0003"}],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/1557-AF14/amendments-to-bank-secrecy-act-compliance-program-rule","title":"Amendments to Bank Secrecy Act Compliance Program 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requirements","Security measures"],"type":"Proposed Rule","volume":91}