Is your BSA/AML program ready for the 2026 exam procedures?
The OCC's Community Bank Minimum BSA/AML Examination Procedures took effect February 1, 2026. We tell you, in plain English, in three weeks, where your program stands against them, what to fix first, and where AI can cut your false-positive load without adding headcount.
The problem.
Community banks, credit unions, and MDIs carry the heaviest BSA/AML burden relative to their size, and the bar for an "adequate" program just moved. Most teams can't add staff. The honest answer isn't more people — it's a tighter, better-documented, risk-based program and selective automation.
What you get.
A pillar-by-pillar assessment of your program mapped to the current examination procedures, a prioritized remediation roadmap, and an exam-readiness scorecard you can hand to your board and your examiner
Why us?
We pair hands-on BSA/AML program experience with modern AI tooling. Assessments are performed by the same team behind the free SAR Narrative Library, used by BSA officers to draft cleaner, examiner-ready narratives. We're practitioners and builders, not a Big Four PowerPoint factory.
Want to use our SAR Narrative Library
Compliance infrastructure
built for
community banks.
BSA/AML monitoring — transaction monitoring, SAR narratives, and an immutable audit trail.
Financial wellness — your brand, deployed in your community's pocket.
CRA documentation — continuous, examiner-ready from day one.
$150K–300K: combined compliance cost for a mid-sized community bank.
Three tracks.
One Platform.
THREE PROBLEMS
Legacy AML systems generate false positive rates of 50–60%. A two-person BSA team cannot clear that volume under a 30-day SAR filing clock — writing each narrative by hand.
Manual CRA documentation runs 80–120 staff hours per exam cycle — assembled retroactively, which examiners can see.
MDIs have no digital channel to deliver financial education to the communities their charter requires them to serve. Without one, those interactions never happen — and the CRA community development service credit they would generate goes unclaimed.
Stop reviewing noise. Start finding what matters.
BSA/AML
Transaction monitoring. Under 15% false positive rate.
SAR narratives drafted and cited. Every alert investigation-ready for BSA Officer review.
Immutable audit trail. Every decision documented and defensible.
31 USC §5324 · §1020.320 Available Q3 2026
Continuous, examiner-ready from day one.
FINANCIAL WELLNESS
White-label financial wellness app, deployed under your brand.
Bilingual, english and spanish, budget creation, bills and expenses, AI-financial coaching.
Every interaction builds community development credit automatically. Timestamped, LMI-verified, Geography-confirmed.
CRA §228.12(h)(2) Available NOW
Free for every BSA Officer
The SAR Narrative Library
CRA Documentation
Five agents that generate continuous,
examiner-ready CRA documentation — built on
§228.12(h)(2).
The provision that has held through six administrations and 30 years of
regulatory history. Add to TransactionMonitor when your institution is ready.
DATAGUARD | LENDSCOPE | CRACREDIT | COMPLIANCEGEN | EXAMPREP
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