POLICY LIBRARY
48 U.S. actionsEnforcement and penalties
Orders, penalties, settlements and agreements from U.S. financial regulators against banks and financial companies, in one table. Each row links the agency’s own release or order.
Coverage: actions against companies, not individuals, by the OCC, FDIC, Federal Reserve, NCUA, CFPB and FinCEN, plus larger SEC cases against financial firms, from January 2026 on. It is a selected record, not every action an agency has taken, and it is information, not legal advice.
Amounts appear only when the agency’s source states one; otherwise the table says “Not stated”. Totals add only those stated amounts, so they undercount what was actually ordered. Penalties are kept apart from restitution or redress to customers whenever the source separates them. When one agency credits another’s penalty, as FinCEN credited the OCC’s $750 million against its $1.2 billion Bank of America penalty, both stated amounts are listed and the totals count both.
A settlement or consent order is not a court finding. Rows marked “No admission” say the respondent consented without admitting the findings, as the source states.
U.S. enforcement actions
48 of 48 actions
| Date | Agency | Company | Action | Amount | Sources |
|---|---|---|---|---|---|
| OCC | Bank of America, N.A.No admission | Civil money penaltyThe OCC found that the bank's anti-money laundering program was deficient, leaving trillions of dollars in transactions improperly monitored and producing large numbers of late suspicious activity reports, and that weaknesses persisted after a December 2024 cease-and-desist order. The bank consented without admitting or denying the findings and was assessed a $750 million civil money penalty, which the OCC called the largest in its history. | $750 millionpenalty | ||
| FinCEN | Bank of America, N.A. | Consent order; civil money penaltyFinCEN assessed a $1.2 billion penalty against Bank of America for failing to mitigate and report priority national security risks, including Chinese money laundering networks and illicit finance along the southwest border, and the bank admitted it willfully violated the Bank Secrecy Act. FinCEN credits the $750 million penalty the OCC assessed at the same time for the bank's deficient anti-money laundering program. | $1.2 billionpenalty | ||
| Federal Reserve | American Express Company and American Express Travel Related Services Company | Cease-and-desist orderCease-and-desist orders and a $350 million OCC civil money penalty announced October 8, 2026. | Not stated | ||
| OCC | American Express National Bank | Cease-and-desist order; civil money penaltyCease-and-desist orders and a $350 million OCC civil money penalty announced October 8, 2026. | $350 millionpenalty | ||
| SEC | Zoe FinancialNo admission | Settled cease-and-desist order; censure; civil penaltyCease-and-desist order, censure and $450,000 penalty | $450,000penalty | ||
| Federal Reserve | Ontario Bancorporation | Written agreementBinding agreement dated September 24, 2026; publicly announced October 2 | Not stated | ||
| Federal Reserve | United Texas Bank | Termination of cease-and-desist orderThe Federal Reserve terminated the August 29, 2024 order effective September 2, 2026; historical action, no longer active. | Not stated | ||
| FDIC | Old Glory Bank | Supervisory prompt corrective action directiveThe FDIC classified the Elmore City, Oklahoma, bank as significantly undercapitalized, citing a 2.69% leverage ratio in its June 30, 2026, call report, and issued a supervisory prompt corrective action directive. The directive requires the bank to submit an updated capital restoration plan within 14 days. | Not stated | ||
| FDIC | Chesterfield State BankNo admission | Amended consent orderThe FDIC and the Illinois banking division amended the Chesterfield, Illinois, bank's July 2024 consent order to address what they described as serious new conditions and deficiencies while recognizing some improvements. The bank consented without admitting or denying the charges of additional unsafe or unsound practices and violations, and the amended order includes requirements on qualified management. | Not stated | ||
| Federal Reserve | SouthPoint Bancshares, Inc. | Written agreementThe Federal Reserve Bank of Atlanta and the Alabama State Banking Department found deficiencies at this Birmingham bank holding company, whose bank has been under an FDIC and state consent order since November 2025. The agreement requires capital and cash-flow plans, support for the bank, and prior approval for dividends and new debt. | Not stated | ||
| NCUA | First Choice Credit Union | Civil money penalty (consent)First Choice Credit Union of Marshfield, Wisconsin consented to an NCUA order assessing a civil money penalty of $1,046 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $1,046penalty | ||
| FDIC | First Guaranty BankNo admission | Consent orderThe Hammond, Louisiana, bank consented without admitting or denying the charges to a consent order from the FDIC and the Louisiana Office of Financial Institutions over alleged unsafe or unsound practices or violations of law. The order requires higher capital ratios, reduction of classified loans, tighter credit administration and commercial real estate concentration monitoring, and bars dividends without regulators' consent. | Not stated | ||
| FDIC | Bank of OntarioNo admission | Consent orderThe Ontario, Wisconsin, bank consented without admitting or denying the charges to a consent order from the FDIC and the Wisconsin Department of Financial Institutions over alleged unsafe or unsound practices tied to weaknesses in asset quality, earnings and management. The order requires a minimum 9 percent leverage ratio, a liquidity plan, reduction of problem loans and stronger credit administration. | Not stated | ||
| FinCEN | UBS Financial Services Inc. | Consent order; civil money penaltyFinCEN assessed a $125 million civil money penalty against UBS Financial Services, its second Bank Secrecy Act action against the broker-dealer, for failing to monitor foreign currency wires, conduct customer due diligence and file suspicious activity reports on time; the firm admitted willful violations. The order also requires a lookback review and an independent review of its anti-money laundering program. | $125 millionpenalty | ||
| SEC | UBS Financial Services Inc.No admission | Settled administrative order; cease-and-desist order; censure; civil penaltyThe SEC found that UBS Financial Services failed to file suspicious activity reports on time from 2019 to 2023 because of flaws in its monitoring of foreign currency wires. The firm agreed, without admitting the findings, except to the extent admitted in the parallel FinCEN action, to a cease-and-desist order, a censure and a $20 million civil penalty. | $20 millionpenalty | ||
| NCUA | James Ward, Jr. Federal Credit Union | Civil money penalty (consent)James Ward, Jr. Federal Credit Union of Jennings, Louisiana consented to an NCUA order assessing a civil money penalty of $190 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $190penalty | ||
| Federal Reserve | Iuka Bancshares, Inc. and The Iuka State Bank | Written agreementA Federal Reserve Bank of St. Louis examination found weaknesses at this Illinois bank and its holding company in internal controls, credit risk management, lending, capital, liquidity and anti-money laundering compliance. The agreement, also signed by Illinois regulators, requires plans to improve board oversight, lending, loan review, capital, funding and Bank Secrecy Act compliance, and limits dividends and new debt. | Not stated | ||
| Federal Reserve | TS Banking Group, Inc. and TS Contrarian Bancshares, Inc. | Written agreementThese Iowa bank holding companies agreed with the Federal Reserve Bank of Chicago to serve as a source of strength for their three banks, one of which is under a 2025 OCC formal agreement covering capital, strategic planning and liquidity. They must submit capital and cash-flow plans and get approval before paying dividends or taking on debt. | Not stated | ||
| FDIC | Paramount BankNo admission | Consent order; civil money penaltyThe FDIC determined that the Hazelwood, Missouri, bank violated several consumer protection laws, including mortgage data reporting, lending disclosure, fair lending and flood insurance rules. The bank consented without admitting or denying the charges to a consent order requiring compliance fixes and a $44,800 civil money penalty for its mortgage data reporting violations. | $44,800penalty | ||
| SEC | Merrill Lynch, Pierce, Fenner & Smith IncorporatedNo admission | Settled administrative order; cease-and-desist order; censure; civil penaltyThe SEC found that Merrill Lynch failed to file numerous suspicious activity reports from April 2020 through September 2024 because transaction-monitoring alerts scored below a risk threshold were not investigated. Merrill agreed, without admitting the findings, to a cease-and-desist order, a censure and a $7.5 million civil penalty. | $7.5 millionpenalty | ||
| Federal Reserve | Small Business Bank | Prompt corrective action directive (consent)The Federal Reserve determined that this Lenexa, Kansas, bank was significantly undercapitalized as of June 18, 2026. The directive, issued with the bank's consent, required it within 30 days to raise enough capital to become adequately capitalized, agree to be acquired or merge, or take other necessary steps, and restricts dividends, deposit rates, executive pay and growth. | Not stated | ||
| FDIC | Lineage BankNo admission | Consent orderThe Franklin, Tennessee, bank consented without admitting or denying the charges to an FDIC consent order over alleged unsafe or unsound banking practices. The order requires the bank to take corrective action. | Not stated | ||
| OCC | United Texas Bank | Cease-and-desist orderThe Dallas bank consented to an OCC cease-and-desist order addressing deficiencies in its anti-money laundering program that had led to violations and to an August 2024 order from the Federal Reserve Bank of Dallas and the Texas Department of Banking. The bank agreed to the order as part of its conversion to a national bank supervised by the OCC. | Not stated | ||
| FDIC | Oriental BankNo admission | Civil money penaltyThe FDIC found that the San Juan, Puerto Rico, bank violated federal flood insurance rules, including failing in 54 instances to buy flood insurance on a borrower's behalf when the borrower did not. The bank consented without admitting or denying the violations to an order to pay a $147,420 civil money penalty. | $147,420penalty | ||
| NCUA | Messiah Baptist Church Federal Credit Union | Civil money penalty (consent)Messiah Baptist Church Federal Credit Union of East Orange, New Jersey consented to an NCUA order assessing a civil money penalty of $310 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $310penalty | ||
| NCUA | Messiah Baptist-Jubilee Federal Credit Union | Civil money penalty (consent)Messiah Baptist-Jubilee Federal Credit Union of Brockton, Massachusetts consented to an NCUA order assessing a civil money penalty of $320 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $320penalty | ||
| FDIC | Planters Bank & Trust CompanyNo admission | Civil money penaltyThe FDIC found that the Indianola, Mississippi, bank violated federal flood insurance rules, including failing to timely notify borrowers that flood insurance had to be obtained or would be force-placed. The bank consented without admitting or denying the violations to an order to pay an $83,000 civil money penalty. | $83,000penalty | ||
| NCUA | St. Mark Credit Union | Civil money penalty (consent)St. Mark Credit Union of Chicago, Illinois consented to an NCUA order assessing a civil money penalty of $280 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $280penalty | ||
| NCUA | The Family First Federal Credit Union | Civil money penalty (consent)The Family First Federal Credit Union of Great Falls, Montana consented to an NCUA order assessing a civil money penalty of $479 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $479penalty | ||
| NCUA | Tuskegee Federal Credit Union | Civil money penalty (consent)Tuskegee Federal Credit Union of Tuskegee, Alabama consented to an NCUA order assessing a civil money penalty of $829 under Sections 202(a)(3) and 206(k)(2) of the Federal Credit Union Act. The posted order does not describe the underlying conduct. | $829penalty | ||
| SEC | Western Asset Management Company, LLCNo admission | Settled administrative order; cease-and-desist order; censure; civil penaltyThe SEC found that investment adviser Western Asset Management failed to take reasonable steps to detect and prevent a former senior portfolio manager's alleged scheme to allocate trades unfairly among client accounts from 2021 to 2023. The firm agreed, without admitting the findings, to a cease-and-desist order, a censure and a $100 million civil penalty to be distributed to harmed investors through a Fair Fund. | $100 millionpenalty | ||
| OCC | Community Federal Savings Bank | Consent orderBinding OCC consent order announced May 21, 2026. Status checked September 28, 2026; consult the order and OCC action page for current requirements. | Not stated | ||
| FDIC | Connect Community BankNo admission | Consent orderThe Raymond, Washington, bank consented without admitting or denying the charges to a consent order from the FDIC and the Washington Department of Financial Institutions over alleged unsafe or unsound practices in board and management oversight, capital, liquidity, earnings and interest-rate risk. The order requires the bank to raise its leverage ratio to at least 8 percent within 120 days. | Not stated | ||
| FDIC | Alliance Community BankNo admission | Civil money penaltyThe FDIC determined that the Petersburg, Illinois, bank engaged in a pattern or practice of violating federal flood insurance rules, including notice requirements. The bank consented without admitting or denying the violations to an order to pay a $5,625 civil money penalty. | $5,625penalty | ||
| FDIC | Farmers and Mechanics Federal Savings BankNo admission | Consent orderThe Bloomfield, Indiana, bank consented without admitting or denying the charges to a consent order from the FDIC and the Indiana Department of Financial Institutions over alleged unsafe or unsound practices and violations tied to weaknesses in capital, management, earnings and interest-rate sensitivity. The order requires plans covering capital, liquidity, financial reporting and correction of cited violations. | Not stated | ||
| Federal Reserve | Community Bankshares, Inc. | Cease-and-desist order (consent)A Federal Reserve Bank of Atlanta inspection found deficiencies at this LaGrange, Georgia, bank holding company tied to its growth strategy of buying and originating USDA and SBA loans, including board oversight, capital and compliance with affiliate-transaction rules. The consent order, joined by Georgia regulators, required oversight and capital plans and an affiliate-transaction policy, and limited dividends and debt; the Fed terminated it on June 25, 2026. | Not stated | ||
| OCC | The Federal Savings BankNo admission | Consent order; restitutionThe OCC found that the Chicago bank used deceptive practices that induced consumers to take cash-out refinance loans guaranteed by the Department of Veterans Affairs carrying significant origination fees, higher interest rates and higher monthly payments, violating the FTC Act. The bank consented without admitting or denying the findings to an order requiring it to identify eligible consumers and pay them restitution; the order states no dollar total. | Not stated | ||
| FDIC / Mississippi Department of Banking and Consumer Finance | Covington County BankNo admission | Consent orderEnforcement action; binding consent order dated March 25, 2026. The bank consented without admitting or denying charges. Corrective action plan required. Status checked September 28, 2026. | Not stated | ||
| SEC | Commonwealth Equity Services, LLC d/b/a Commonwealth Financial NetworkNo admission | Final consent judgment; civil penaltyA federal court in Massachusetts entered a final consent judgment in the SEC's lawsuit alleging that investment adviser Commonwealth Financial Network failed to tell clients about conflicts from revenue-sharing payments it received on certain mutual fund share classes. Commonwealth consented, without admitting or denying the SEC's allegations, to pay a civil penalty of $5 million. | $5 millionpenalty | ||
| FDIC | Bank of OdessaNo admission | Civil money penaltyThe FDIC determined that the Odessa, Missouri, bank engaged in a pattern or practice of violating federal flood insurance rules, including notice requirements. The bank consented without admitting or denying the violations to an order to pay a $10,000 civil money penalty. | $10,000penalty | ||
| FinCEN | Canaccord Genuity LLC | Consent order; civil money penaltyFinCEN assessed an $80 million civil money penalty against broker-dealer Canaccord Genuity for failing to file suspicious activity reports tied to over-the-counter securities fraud schemes and for weak anti-money laundering and correspondent account due diligence; the firm admitted willful violations of the Bank Secrecy Act. | $80 millionpenalty | ||
| SEC | Canaccord Genuity LLCNo admission | Settled administrative order; cease-and-desist order; censure; civil penaltyThe SEC found that Canaccord Genuity failed to file about 150 suspicious activity reports tied to its over-the-counter market-making business from 2019 to 2022, and the firm agreed to a cease-and-desist order, a censure and a $20 million civil penalty, without admitting or denying the findings, except to the extent admitted in the parallel FinCEN action. | $20 millionpenalty | ||
| SEC | Rainberry, Inc.No admission | Proposed consent judgment; civil penaltyThe SEC filed a proposed settlement of its claim that Rainberry, formerly BitTorrent, facilitated wash trading in 2018 and 2019 to inflate the trading volume of the crypto asset TRX, as alleged in the complaint. Subject to court approval, Rainberry would pay a civil penalty of $10 million, with the settlement entered without admitting or denying the allegations, and the SEC dismissed its remaining claims against the related defendants. | $10 millionpenalty | ||
| FDIC | Main Street Bank Corp.No admission | Civil money penaltyThe FDIC determined that the Wooster, Ohio, bank engaged in a pattern or practice of violating federal flood insurance requirements. The bank consented without admitting or denying the violations to an order to pay a $20,000 civil money penalty. | $20,000penalty | ||
| FDIC | Union County Savings BankNo admission | Amended and restated consent orderThe Elizabeth, New Jersey, bank consented without admitting or denying the charges to an FDIC amended and restated consent order that replaces its 2022 order over alleged unsafe or unsound practices or violations of law, including requirements for compliance committee oversight. | Not stated | ||
| FDIC | MutualOne BankNo admission | Consent orderThe Framingham, Massachusetts, bank consented without admitting or denying the charges to a consent order from the FDIC and the state Division of Banks over alleged violations of law or regulation, breaches of fiduciary duty and nonconformance with interagency safety-and-soundness guidelines. The order requires corrective action. | Not stated | ||
| FDIC | Community Bank and Trust - West GeorgiaNo admission | Consent orderThe LaGrange, Georgia, bank consented without admitting or denying the charges to a consent order from the FDIC and the Georgia Department of Banking and Finance over alleged unsafe or unsound practices tied to weaknesses in management, asset quality, capital, earnings, liquidity and interest-rate sensitivity. The order requires the bank to correct those weaknesses. | Not stated | ||
| CFPB | American Honda FinanceNo admission | Consent orderBinding consent order issued January 17, 2025; company consented without admitting or denying findings except jurisdiction. Completion of obligations not independently confirmed. Status checked September 28, 2026. | Not stated |
Totals
Computed from rows with a stated amount only.
| Agency | Actions | With a stated amount | Stated penalties |
|---|---|---|---|
| FinCEN | 3 | 3 | $1,405,000,000 |
| OCC | 5 | 2 | $1,100,000,000 |
| SEC | 7 | 7 | $162,950,000 |
| FDIC | 16 | 6 | $310,845 |
| NCUA | 7 | 7 | $3,454 |
| Federal Reserve | 8 | 0 | — |
| CFPB | 1 | 0 | — |
| FDIC / Mississippi Department of Banking and Consumer Finance | 1 | 0 | — |
| Year | Actions | With a stated amount | Stated penalties |
|---|---|---|---|
| 2026 | 47 | 25 | $2,668,264,299 |
| 2025 | 1 | 0 | — |
Actions by authorities outside the United States
Kept separate from the U.S. table and totals. Each record carries its issuing jurisdiction.
- Switzerland · FINMA Sep 29, 2026
Julius Baer: Enforcement ruling (not yet legally binding)
Status: Ruling not yet legally binding
Enforcement list reviewed Oct 14, 2026. Each row keeps the action date recorded in its source. Policy timeline · Complete library