FinCEN Advisories and Alerts

Whistleblower Incentives and Protections NPRM

FinCEN published a Notice of Proposed Rulemaking (NPRM) on whistleblower incentives and protections, seeking public comment on a proposed program to incentivize reporting of Bank Secrecy Act violations. The NPRM outlines potential financial rewards for whistleblowers whose tips lead to successful enforcement actions exceeding $1 million in sanctions. Comments are being accepted through the Federal Register docket.

Anti-Money Laundering and Countering the Financing of Terrorism Programs NPRM

FinCEN has released a Notice of Proposed Rulemaking (NPRM) regarding Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) Programs. The proposed rulemaking seeks public comment on potential new or revised requirements for financial institutions' AML/CFT programs. This represents a significant regulatory initiative that may affect compliance obligations across the financial services sector.

FinCEN Proposes Rule to Reform AML/CFT Programs Under Bank Secrecy Act

FinCEN issued a proposed rule on April 7, 2026, to fundamentally reform anti-money laundering and countering the financing of terrorism (AML/CFT) programs for financial institutions under the Bank Secrecy Act. The proposal would shift compliance obligations from volume-based metrics to effectiveness-based evaluation, empower institutions to allocate resources based on their risk assessments, and clarify examiner expectations for program requirements. The rule withdraws a prior proposed rule from July 3, 2024, and introduces a notice and consultation framework between federal banking supervisors and FinCEN.