CAL Insights

Regulatory actions

Consent orders, MRAs, written agreements and fines per account. Open orders usually come with remediation programs in data, controls, AML or operational resilience; a lifted order frees budget and attention for growth work. Supervisory MRAs are confidential, so only those disclosed or reported appear here.

6open actions on file
5accounts with an open action
13actions in the last two years
$5.3Bpenalties in the last two years (USD, approx.)
DateAccountActionAmountStatusSource
Oct 14, 2026Bank of America Corporation
Platinum
Settlement Not named in the call summary
A $1.2B non-deductible settlement charge in Q3 2026; about 1,000 consultants support remediation.
$1.2Bopengloom.sh
Aug 6, 2026UBS Group AG
Mega Diamond
Fine FinCEN
Penalty for wilful AML compliance failures.
$125Mclosedbaas.com
Jan 23, 2026Banco Santander, S.A.
Mega Diamond
Fine Sepblac (Spain)
Fine over past process deficiencies at Openbank; Santander says the issues are fixed and has challenged it.
EUR 40Mclosedpymnts.com
Jul 2025Barclays PLC
Mega Diamond
Fine FCA
Weak monitoring of high-risk corporate clients (about GBP 46.8M of criminal proceeds).
GBP 39.3Mclosedamlwatcher.com
Jun 2025Wells Fargo & Company
Not on CAL
Terminated Federal Reserve
Fed lifted the 2018 asset cap, freeing balance-sheet growth.
closedunverified
May 2025UBS Group AG
Mega Diamond
Settlement US DOJ
Credit Suisse tax-evasion plea resolved by UBS.
$511Mclosedunverified
Mar 17, 2025Wells Fargo & Company
Not on CAL
Terminated OCC
OCC terminated a 2021 consent order on loss mitigation.
closedfidelity.com
Feb 2025Wells Fargo & Company
Not on CAL
Terminated OCC
OCC terminated the 2016 sales-practices consent order.
closeddoddfrankupdate.com
Jan 2025Block, Inc.
Not on CAL
Fine CFPB
Cash App fraud-handling and customer-service failures (penalty and redress).
$175Mclosedunverified
Jan 2025Robinhood Markets, Inc.
Not on CAL
Settlement SEC
Recordkeeping and suspicious-activity reporting failures.
$45Mclosedunverified
Dec 2024Bank of America Corporation
Platinum
Consent order OCC
Cease-and-desist order on BSA/AML and sanctions compliance, with no penalty.
openunverified
Oct 2024The Goldman Sachs Group, Inc.
Not on CAL
Fine CFPB
Apple Card servicing failures (penalty and redress); the card program later moved to JPMorgan.
$89.8Mclosedunverified
Oct 2024The Toronto-Dominion Bank (TD Bank Group)
Mega Diamond
Consent order DOJ, FinCEN, OCC and Federal Reserve
Guilty plea for US AML failures with about $3.1B in penalties, an asset cap on the US retail banks and a monitorship. Drives the AML remediation program.
$3.1Bopenunverified
Jul 2024Citigroup Inc.
Diamond
Fine OCC and Federal Reserve
Penalties for insufficient progress on the 2020 orders, especially data quality.
$135.6Mclosedunverified
Jun 2024Mitsubishi UFJ Financial Group, Inc. (MUFG)
Mega Diamond
Written agreement Japan FSA
Business improvement orders over sharing client data between the bank and securities arms without consent.
openunverified
Mar 2024JPMorgan Chase & Co.
Mega Diamond
Fine Federal Reserve and OCC
Gaps in trade surveillance data feeding remediation in data lineage and controls.
$348Mclosedunverified
Jan 2024Morgan Stanley
Diamond
Settlement SEC and DOJ
Block-trading disclosure case.
$249Mclosedunverified
Jul 2023Deutsche Bank AG
Diamond
Fine Federal Reserve
Penalty for slow AML remediation under earlier orders.
$186Mopenunverified
Dec 2022Banco Santander, S.A.
Mega Diamond
Fine FCA
Santander UK fined for repeated anti-money-laundering failures.
GBP 107.7Mclosedfca.org.uk
Dec 2021NatWest Group plc
Mega Diamond
Fine FCA
Criminal AML conviction and fine over the Fowler Oldfield case.
GBP 264.8Mclosedunverified
Oct 2020Citigroup Inc.
Diamond
Consent order OCC and Federal Reserve
Consent orders on risk management, data governance and internal controls, with a $400M OCC penalty. Drives the multi-year transformation program.
$400Mopenunverified