Headline numbers
- 4,254 FDIC-insured institutions swept; 1,322 (31.1%) have at least one action on record.
- 2,885 total actions, announced 1989–2026.
- $5,931,988,122 in penalty amounts, across the 709 actions where the source record carries an amount. Many actions carry no amount; this is a floor, not a total.
- 1,095 actions show a termination date in the source record; 1,790 do not. An action without a recorded termination is not necessarily still in effect.
Actions by year announced
| Year | Actions | At documented fintech partner banks |
|---|---|---|
| 2016 | 69 | 5 |
| 2017 | 64 | 2 |
| 2018 | 62 | 7 |
| 2019 | 58 | 3 |
| 2020 | 55 | 4 |
| 2021 | 55 | 4 |
| 2022 | 49 | 2 |
| 2023 | 46 | 10 |
| 2024 | 81 | 12 |
| 2025 | 55 | 6 |
| 2026 | 34 | 5 |
| 1989–2015 | 2255 | 76 |
Actions by regulator record
| Regulator | Actions |
|---|---|
| FDIC | 2222 |
| OCC | 663 |
Most common action types
| Action type (as recorded) | Count |
|---|---|
| Cease and Desist / Consent Orders | 1354 |
| Assessment of Civil Money Penalty | 810 |
| Formal Agreement | 306 |
| Cease-and-Desist Order | 206 |
| Civil Money Penalty | 136 |
| Order for Restitution | 45 |
| Prompt Corrective Action | 22 |
| Involuntary Termination of Deposit Insurance | 20 |
The fintech partner bank cross-section
Of the 70 institutions publicly documented as operating banking-as-a-service or fintech partnership programs, 42 (60.0%) have at least one action in the swept records — 136 actions in total — against a base rate of 31.1% across all swept institutions. Since 2020, 23 of the 70 documented fintech partner banks appear in newly announced actions, out of 246 institutions overall with actions announced in that period.
These are descriptive counts of public records, not a causal claim: the documented segment skews toward larger and more operationally complex institutions, and several of its best-known enforcement actions (for example, Federal Reserve and state orders) fall outside the records swept here and are therefore not counted above — the segment figures understate that segment's total public enforcement footprint.
Method and limitations
- Sources swept: FDIC Enforcement Decisions and Orders (ED&O) and the OCC enforcement-action search, as of Aug 11, 2026. Federal Reserve, NCUA, CFPB, and state regulator actions are not yet swept.
- Counts are per action record as published by the regulator; multi-part orders recorded as one entry count once.
- Penalty totals include only actions whose source record carries an amount.
- Per-institution detail, order documents, and citations live on each institution's profile in the Compliance Profile Library. Report a correction.
This reflects public government records only. It is not an assessment of any company's compliance program.