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PUBLIC EDITORIAL RECORD

Corrections.

Substantive corrections identify the affected article or data tool, what changed and why. Routine research updates remain in each article’s version history.

Log opened Sep 27, 2026. Earlier research versions remain available; a new development alone is not a correction.

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  1. The CFPB: mandate, powers, funding and institutional uncertainty: evidence clarification

    What changed: Corrected the publication date of the CFPB nonbank-supervision explainer.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  2. Feedzai: safer payments, legitimate transactions and financial-crime operations: evidence clarification

    What changed: Corrected the modernization case-study outcome from alert-backlog reduction to reduced false positives.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  3. Celtic Bank: business investment, specialist lending and partner distribution: evidence clarification

    What changed: Aligned the dated bank-asset observation and source label with the Federal Reserve’s June 30, 2026 release.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  4. Options: premiums, exercise and the obligation behind assignment: evidence clarification

    What changed: Added direct primary support for the one-cent exercise-by-exception threshold.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  5. OCC / USAA: remediation capacity, product choices and the cost of delayed improvement: evidence clarification

    What changed: Corrected the OCC enforcement-search link to the page containing the cited USAA records.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  6. Military Lending Act: total borrowing cost, customer access and product design: evidence clarification

    What changed: Corrected the date of FDIC FIL-65-2016.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  7. BNY: financial infrastructure, client assets and fee economics: evidence clarification

    What changed: Replaced a rolling bank-asset source with date-filtered FDIC evidence supporting the March 31, 2026 observation.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  8. First Republic Bank: relationship banking after the funding model broke: evidence clarification

    What changed: Corrected the FDIC testimony source date from May 17 to May 18, 2023.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  9. Cash-Flow Underwriting: Adoption, Performance & Risk: evidence clarification

    What changed: Clarified that ParaFormer runs daily and produces monthly sales forecasts.

    Why: Clarifies the cited evidence while preserving prior research revisions.

  10. Merchant non-delivery: customer remedies, refund operations and financing exposure: source clarification

    What changed: Corrected the Holder Rule source to the Commission’s January 18, 2022 statement and its direct document.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  11. Truist Bank: consumer, commercial and wealth relationships at regional scale: source clarification

    What changed: Clarified taxable-equivalent non-GAAP revenue and net interest margin and aligned the bank-asset observation with the June 30, 2026 source release.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  12. Card payment rates: household behavior, issuer cash flow and product mix: source clarification

    What changed: Corrected the December 2025 CFPB Consumer Credit Card Market report link.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  13. Monarch Money: subscription finance software, connected data and the move beyond budgeting: source clarification

    What changed: Updated the aggregation-provider name to Mastercard Data Connect, formerly Finicity, and corrected the security source’s update date.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  14. Merrick Bank: card relationships, specialty finance and service economics: source clarification

    What changed: Aligned the bank-asset observation and source label with the Federal Reserve’s June 30, 2026 release.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  15. American Express National Bank: card relationships, savings and group economics: source clarification

    What changed: Aligned the bank-asset observation and source label with the Federal Reserve’s June 30, 2026 release.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  16. The rise of the 401(k): how workplace retirement became an individual account: source clarification

    What changed: Clarified the unrounded contribution and benefit amounts behind the reported net difference.

    Why: Clarifies the cited source, reporting period or measurement basis; prior research revisions remain available.

  17. Part 30 appendix status corrected

    What changed: Appendix E on recovery planning was removed effective May 1, 2026. The current research now reflects the final rule.

    Why: The earlier version continued to describe Appendix E as current.

  18. Comenity Bank merger status updated

    What changed: Comenity Bank merged into Comenity Capital Bank on October 1, 2026. Historical June financial data remains labeled as predecessor data.

    Why: The earlier version reflected the September planned-closing status.

  19. Comenity Capital Bank merger status updated

    What changed: Comenity Capital Bank was the surviving bank in the completed October 1, 2026 merger. Pre-merger June financial observations are preserved.

    Why: The earlier version described the merger as planned.

  20. United Texas Bank historical order source corrected

    What changed: Corrected the Federal Reserve source link for the August 29, 2024 order announced September 4, 2024.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  21. ROAD Act enactment reference added

    What changed: Added the primary public-law citation supporting the ROAD to Housing Act enactment date.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  22. Ripple transaction amounts and attribution clarified

    What changed: Clarified that the cited transaction amounts are SEC allegations recorded in the opinion and restored the opinion’s stated amounts.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  23. Hudson City branch-timeline standard clarified

    What changed: Clarified the order’s opening-or-acquisition option and reasonable-efforts standard for the branch timelines.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  24. Kalshi petition court label corrected

    What changed: Corrected the petition’s court label to the U.S. Supreme Court.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  25. Marqeta documentation references updated

    What changed: Replaced legacy documentation links with specific current documentation and aligned the description of funding-source approval.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  26. Funds-transfer-pricing attachment date corrected

    What changed: Corrected the cited guidance attachment’s date to March 1, 2016.

    Why: The earlier reference or wording did not precisely reflect the cited primary document.

    Earlier version →Corrected version →

  27. Holder Rule advisory opinion date clarified

    What changed: The FTC advisory opinion is dated January 18, 2022. Its January 20 press release announced that opinion. The current revision distinguishes those dates; the explanation of separately authorized attorney fees and costs is unchanged.

    Why: The earlier article used the press-release date as the date of the advisory opinion.

    Earlier version →Corrected version →

  28. Positive pay source attribution corrected

    What changed: The current article cites Chase's Digital Services Agreement for the payee-name limitation of its specified Positive Pay Service. It also identifies the separate Chase Connect enrollment guide as guidance for clients transitioning from First Republic. The original business-account link now leads to a Page not found page and is no longer used as evidence in the current revision.

    Why: The original paragraph attributed a platform-wide statement to an unavailable business-account page. The correction narrows the statement to the accessible service agreement and makes the scope of the enrollment evidence explicit. It does not establish that every Chase platform or account has the same capabilities.

    Earlier version →Corrected version →

  29. Celtic Bank historical source-link clarification

    What changed: Source 2 now opens the June 30, 2026 Federal Reserve release, posted October 2, 2026. The March 31, 2026 figures cited here are unchanged; the Fed’s March 31 archive link returned “Page not found” when checked October 3, 2026.

    Why: The Federal Reserve current-release URL advanced to a newer quarter. This notice applies to both retained Celtic Bank revisions; their historical text, figures and dates have not been rewritten.

  30. OneMain redress minimum clarified

    What changed: The refreshed case study states that the 2023 order required at least $10 million in consumer redress. The earlier revision described this as $10 million without the minimum qualifier. The separate $10 million civil penalty is unchanged.

    Why: The CFPB action page specifies a minimum redress amount, rather than a fixed total.

    Earlier version →Corrected version →

  31. United Texas Bank termination rationale narrowed

    What changed: The refreshed case study states what the termination notice establishes: the identified order ended on September 2, 2026. It removes the earlier assertion that the notice indicated a compliance review; the announcement does not disclose the complete basis for the decision.

    Why: The earlier explanation went beyond the information stated in the public termination notice.

    Earlier version →Corrected version →

  32. Promotional card-rate example corrected

    What changed: A properly disclosed temporary rate lasting at least six months can expire and the disclosed higher rate can begin accruing on the remaining promotional balance, subject to the rule’s conditions. The revised article distinguishes that from retroactive interest.

    Why: The previous example incorrectly limited the post-promotion rate to purchases made after the promotion ended.

    Earlier version →Corrected version →

  33. Billing-dispute payment and notice timing clarified

    What changed: The article now distinguishes the undisputed balance from the payment actually required under the account terms. It also states that a qualifying written notice generally must be received within the 60-day window.

    Why: The previous example could imply that the full undisputed balance was immediately payable, and described sending rather than receipt of the notice.

    Earlier version →Corrected version →

  34. Affirm experiment and production scope clarified

    What changed: The revised profile distinguishes the incremental-approval experiment from the technical account’s report of first-look production use for new users, including both approvals and declines.

    Why: The earlier discussion described the narrower experimental design without stating the broader reported production scope.

    Earlier version →Corrected version →

  35. First Internet margin basis corrected

    What changed: The profile now distinguishes the second-quarter 2026 net interest margin of 2.39% from the fully taxable-equivalent margin of 2.47%.

    Why: The prior article called 2.47% net interest margin without the taxable-equivalent qualification.

    Earlier version →Corrected version →

  36. Customers Bank uninsured-deposit definition clarified

    What changed: The profile now explains that the release’s approximately $7.6 billion uninsured-deposit estimate uses specified collateralized and affiliate exclusions. It distinguishes that measure from the footnote’s approximately $9.7 billion estimate for the bank Call Report.

    Why: The prior article omitted the exclusions and could imply that the two differently defined measures were interchangeable.

    Earlier version →Corrected version →

  37. Citi reporting-segment name corrected

    What changed: References to the cited second-quarter 2026 report now use U.S. Consumer Cards (USCC), the name in that report.

    Why: The previous version used the earlier U.S. Personal Banking label for the current-period segment.

    Earlier version →Corrected version →

  38. Synchrony loyalty accounting clarified

    What changed: The profile now states that the $436 million second-quarter 2026 loyalty-program cost is presented as a reduction of other income. The retailer-sharing deduction is also labeled distinctly.

    Why: The former expense shorthand did not distinguish the economic cost from the filing’s financial-statement presentation.

    Earlier version →Corrected version →

  39. Credit utilization denominator clarified

    What changed: The current article defines utilization as outstanding balance divided by total credit limit, with unused capacity shown separately. It also clarifies that reducing an unused limit does not automatically release regulatory capital.

    Why: The earlier wording used “available revolving credit,” which could be read as the unused portion, and described capital relief without the necessary contractual and framework qualifications.

    Earlier version →Corrected version →

  40. ACH wrong-date reversal scope clarified

    What changed: The current article specifies the cited wrong-date reversal cases: a debit earlier than intended or a credit later than intended. It no longer implies that every effective-date mismatch qualifies.

    Why: The earlier shorthand was broader than the cases described in Nacha’s rule summary.

    Earlier version →Corrected version →

  41. Hawk profile model-risk reference updated

    What changed: The current profile identifies SR 26-2 as replacing SR 11-7 and SR 21-8 and explains the attachment’s scope limitation for generative and agentic AI.

    Why: The earlier profile left the status of its legacy guidance reference unresolved despite the published replacement.

    Earlier version →Corrected version →

  42. Spring Labs company identity corrected

    What changed: The current profile now identifies Spring Labs Holdings, Inc., formed in 2025. It separates Springcoin’s earlier identity-data, blockchain and TransUnion history and clarifies the date and scope of historical AI product testimony.

    Why: The original company-history section conflated two legal entities using the Spring Labs name.

    Earlier version →Corrected version →

  43. FinWise objection instructions clarified

    What changed: Our report followed the administrator’s notice, which gives a September 29 postmark deadline for exclusions and mailed objections. Paragraph 18 of the preliminary approval order separately requires objections to be filed with the court and mailed to counsel by the objection deadline. The official materials contain conflicting procedures; an administrator postmark alone should not be represented as a resolved requirement.

    Why: The original attributed summary omitted a material conflict between the court order and the administrator’s notice/FAQ. This clarification preserves the original publication date and does not announce a changed deadline.

  44. Treasury daily changes corrected

    What changed: The September 28, 2026 header showed zero changes for the 2-year and 10-year Treasury yields and their spread. Compared with September 25, the correct changes are +11 bp, +7 bp and −4 bp, respectively. Header comparisons now use prior dated rate-history observations.

    Why: The comparison record repeated the current yields instead of the prior observation.