On July 9, 2026, the OCC issued Bulletin 2026-30 to notify supervised institutions about FinCEN's updated Section 314(b) Fact Sheet. The update clarifies that eligible institutions may share information about suspected fraud, money laundering, terrorist financing, and other specified unlawful activity under the statutory safe harbor.
What changed
The bulletin highlighted FinCEN's expanded clarification around what may be shared under 314(b), including examples such as video footage, IP addresses, and fraud indicators among eligible participants.
Compliance perspective
Banks should review existing 314(b) participation procedures, information-sharing agreements, and fraud investigation workflows. Teams that limited sharing to narrow AML fact patterns may now need to broaden internal guidance and training.
Key date
Effective date: July 9, 2026.
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