Decision Governance™
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Regulator actions and guidance where a decision-record gap is likely — surfaced from the sources the industry already reads, scored for Decision Governance relevance. Sourced daily.
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- NCUA 2026-09-30
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Jackson Area Federal Credit Union Closes; Five Star Credit Union Assumes Members and Shares
The NCUA Board decision to close Jackson Area Federal Credit Union and authorize the purchase-and-assumption by Five Star Credit Union required a documented rationale—owner, evidence of insolvency or rule violation, alternatives considered, and member-impact analysis—produced at the moment of resolution so the closure logic is examinable by Congress, members, and successors.
- OCC 2026-09-29
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The Comptroller's dissent from the joint agency feedback letter exposes the absence of a documented rationale for the adequacy determination itself—each regulator on the FDIC-Federal Reserve-OCC panel owed a named decision owner, a written basis for sufficiency or deficiency findings, and a traceable vote record linking individual judgment to the collective resolution plan assessment.
- FDIC 2026-09-25
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Press Release: FDIC Publishes Enforcement Orders for August 2026
Four Orders of Prohibition against institution-affiliated parties demand a documented chain of custody for every access grant, every override, and every rationale—records that should have been produced at the moment of the decision and owned by the appointing officer or compliance committee chair.
- FED 2026-09-24
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Federal Reserve Board issues enforcement action with former employee of Sandy Spring Bank
The former employee's unauthorized activity should have been constrained by a contemporaneous record of each system access grant, naming the approving officer, the scope of authority conferred, the business rationale, and the scheduled re-certification date—produced as a system of record at the moment the privilege was issued.
- FED 2026-09-18
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Each enforcement involves a former employee whose access grants, approval authorities, and oversight reviews should have been documented with named owners and scheduled recertification — the absence of these decision records permitted conduct that went undetected until after departure.
- OCC 2026-09-17
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OCC Announces Enforcement Actions for September 2026
Each enforcement action represents a decision by a responsible officer to approve, continue, or fail to remediate a deficient practice — and that decision should have been recorded with named owner, supporting rationale, and scheduled review date at the moment it was made.
- FDIC 2026-09-17
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FDIC Board of Directors Meeting
The FDIC Board approved three rulemakings—on merger transactions, state bank parity, and supervisory recommendations—without publishing the decision records (owner, rationale, evidence, outcome) that would link the Chairman's statement, the agency memoranda, and the final vote into a single auditable artifact showing who advocated what position and why the Board resolved it this way.
- FDIC 2026-09-11
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The proposed third-party risk management guidance emphasizes principles-based oversight but does not address how banks should document vendor selection decisions, override rationales, or the evidence supporting risk-tier assignments at the moment those decisions are made.
- OCC 2026-09-11
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The proposed guidance addresses third-party risk management but does not cite enforcement actions rooted in missing decision artifacts or governance failures.
- NCUA 2026-09-11
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Third-party risk management guidance emphasizes oversight and controls but does not explicitly require decision records documenting vendor selection rationale, ongoing monitoring decisions, or risk acceptance by named owners.
- NCUA 2026-08-31
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The prohibition orders cite misconduct but do not specify failures in decision documentation, approval records, or governance artifacts that would have prevented or evidenced the violations.
- FDIC 2026-08-28
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Press Release: FDIC Publishes Enforcement Orders for July 2026
The FDIC published five enforcement orders in July 2026—four individual prohibitions and one consent order termination—but did not disclose the underlying violations or root-cause failures that would indicate missing decision records.
- FinCEN 2026-08-28
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The NPRM focuses on correspondent banking access revocation without detailing specific internal decision governance or recordkeeping failures at the institution.
- FED 2026-08-27
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Federal Reserve Board issues enforcement action with former employee of Banco Popular de Puerto Rico
The enforcement action against a former bank employee lacks specificity on what decision artifacts or approvals were absent during the conduct at issue.
- OCC 2026-08-20
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OCC Announces Enforcement Actions for August 2026
The press release is a monthly index of enforcement actions without detail on root causes or missing decision artifacts.
- FED 2026-08-20
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Enforcement actions against individual former employees typically cite conduct violations but rarely specify missing decision artifacts or governance recordkeeping failures at the institutional level.
- FED 2026-08-20
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The press release announces enforcement and termination actions but provides no detail on the underlying violations or whether decision documentation failures were at issue.
- FinCEN 2026-08-07
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FinCEN Renews Minnesota Geographic Targeting Order
The renewal of a Geographic Targeting Order to combat fraud in Minnesota does not specify failures in decision documentation or recordkeeping practices.
- FDIC 2026-08-04
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Press Release: FDIC Launches New Office of Supervisory Appeals
The FDIC's new Office of Supervisory Appeals will review material supervisory determinations—but the agency does not specify whether appeal decisions themselves will be captured as structured records with owner, rationale, evidence, and outcome.
- FDIC 2026-08-04
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The FDIC evaluated seven statutory factors for deposit insurance approval but the press release does not disclose whether the evaluation framework, conditional approval rationale, or risk-assessment deliberations were documented as decision records with named owners.
- FinCEN 2026-08-03
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FinCEN found UBS failed to document the rationale and approval for overrides of automated transaction monitoring alerts, concealing $1.6 billion in suspicious activity from proper review.
- FDIC 2026-07-31
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Press Release: FDIC Publishes Enforcement Orders for June 2026
The press release is a monthly index of enforcement orders without root-cause detail, precluding assessment of whether missing decision records drove the violations.
- NCUA 2026-07-31
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The prohibition order does not specify what decision artifacts or governance records were absent, only that the individual is barred from participation.
- FED 2026-07-30
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Federal Reserve Board issues enforcement action with Iuka Bancshares, Inc. and The Iuka State Bank
The order cites deficient enterprise risk management and board oversight but does not specify which strategic decisions lacked contemporaneous rationale or evidence trails.
- FED 2026-07-30
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Enforcement actions against individual bank employees rarely surface decision governance failures unless the order details inadequate oversight records or approval documentation.
- OCC 2026-07-16
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OCC Announces Enforcement Actions for July 2026
The release lists enforcement actions without detail on whether failures involved missing decision records, undocumented rationales, or governance artifacts.
- FED 2026-07-16
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The enforcement action centers on a lending officer's failure to document credit decision rationale and maintain examinable records of loan approval authority and risk assessment.
- FDIC 2026-07-13
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The guidance reminds institutions to document underwriting decisions assessing repayment capacity for elevated-risk borrower segments, but cites no specific recordkeeping failure.
- FED 2026-07-09
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The enforcement action lacks specific detail in the public release, but regulatory orders against bank holding companies typically surface failures to document board-level oversight of compliance and risk management decisions.
- FED 2026-07-02
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The press release announces enforcement and termination actions but does not specify the underlying deficiencies or missing decision artifacts.
- FDIC 2026-06-26
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FDIC Publishes Enforcement Orders for May 2026
The FDIC published a monthly list of enforcement actions including civil money penalties, consent orders, and prohibition orders, but the press release provides no detail on the underlying governance or decision-documentation failures that led to the enforcement.
- FED 2026-06-25
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Individual employee enforcement action with no disclosed governance, recordkeeping, or decision-documentation deficiency in the published summary.
- FED 2026-06-18
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The order targets an individual former employee but does not specify failures in decision documentation, governance artifacts, or recordkeeping systems.
- FED 2026-06-18
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The enforcement action against a former M&T Trust employee lacks specificity on what decision records or controls documentation was absent.
- FDIC 2026-06-02
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Press Release: Agencies Remove Additional References to Reputation Risk
Agencies removed 'reputation risk' from supervisory frameworks to prevent subjective rationales from replacing material financial risk in decision records.
- FDIC 2026-05-29
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Updated: FDIC Publishes Enforcement Orders for April 2026
The FDIC published four enforcement orders for April 2026—a consent order, a termination, a notice of charges, and an adjudicated decision—but none of the public abstracts identify a specific artifact or decision-documentation failure.
- FDIC 2026-05-29
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Press Release: FDIC Publishes Enforcement Orders for April 2026
The FDIC published April 2026 enforcement orders including consent orders, notices of charges, and adjudicated decisions, but the release provides no detail on the underlying deficiencies or missing decision artifacts.
- NCUA 2026-05-29
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The prohibition orders cite failures in credit union operations but do not specify missing decision artifacts or documentation lapses that would have demonstrated supervisory intent or approval chains.
- FED 2026-05-28
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Enforcement actions against individual employees typically reflect conduct violations rather than institutional decision-documentation failures.
- FED 2026-05-21
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Federal Reserve Board issues enforcement action with former employee of Commerce Bank
The order names an individual prohibition but does not identify missing decision records, governance artifacts, or documentation failures as the underlying deficiency.
- OCC 2026-05-21
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OCC Announces Enforcement Actions for May 2026
The release lists enforcement actions without detailing whether failures stemmed from absent decision records, undocumented rationales, or missing approval artifacts.
- FDIC 2026-05-19
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Statement by Chairman Travis Hill on the Proposal to Revise the CAMELS Rating System
The proposal shifts CAMELS ratings away from management process documentation toward material financial risks, reducing the emphasis on documented internal controls and risk management frameworks that have historically required examinable decision records.
- FDIC 2026-04-24
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Press Release: FDIC Publishes Enforcement Orders for March 2026
The FDIC published 26 enforcement orders in March 2026, including consent orders, civil money penalties, prohibition orders, and terminations of insurance, but the release does not detail the underlying recordkeeping or decision-documentation failures that triggered the actions.
- FED 2026-04-22
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Federal Reserve Board issues enforcement action with former employee of First Financial Bank
The order describes personal misconduct by a former bank employee but does not identify failures in decision documentation, governance artifacts, or recordkeeping systems.
- FDIC 2026-04-17
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Press Release: Agencies Issue Revised Model Risk Guidance
Banking organizations must produce validation records that document the decision rationale behind model assumptions, override approvals, and third-party product acceptance—artifacts the revised guidance describes but does not mandate as enforceable standards.
- FED 2026-04-16
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Federal Reserve Board issues enforcement action with Community Bankshares, Inc.
The summary provides no detail on the nature of the enforcement action or whether it involves missing decision artifacts, governance failures, or documentation deficiencies.
- FinCEN 2026-04-07
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Proposed rulemaking for AML/CFT program reform, not an enforcement action documenting missing decision artifacts.
- FED 2026-04-03
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Federal Reserve Board issues enforcement action with former employee of United Bank
The order prohibits a former bank employee from further participation in banking but does not specify what decision artifacts, approval records, or supervisory documentation was absent.
- FDIC 2026-03-31
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Financial Institution Letter: FDIC Consumer Compliance Supervisory Highlights
The FDIC's 2025 consumer compliance review surfaced violations across state non-member banks, but the publication is a summary report—not an enforcement order documenting which compliance decisions lacked documentation or governance.
- NCUA 2026-03-31
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The prohibition order cites no missing decision artifacts, only the individuals' conduct warranting permanent bar from federally insured institutions.
- FDIC 2026-03-27
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Press Release: FDIC Publishes Enforcement Orders for February 2026
The FDIC published enforcement orders for February 2026 including prohibition notices and a consent order, but the press release does not identify root causes or missing decision artifacts.
- FED 2026-03-20
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Individual employee enforcement actions without specified institutional governance or recordkeeping failures.
- FED 2026-03-13
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Enforcement actions against individual former employees lack published detail on whether missing decision documentation or approval records contributed to the conduct.
- FinCEN 2026-03-06
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FinCEN found Canaccord failed to document decisions to onboard high-risk clients, override alerts, and escalate suspicious activity—leaving no record of who approved transactions tied to securities fraud.
- FED 2026-03-03
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Individual employee enforcement actions typically cite conduct violations rather than institutional governance or decision-documentation failures.
- NCUA 2026-02-27
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The prohibition orders cite willful misconduct and breaches of fiduciary duty but do not specify missing decision records or undocumented approval chains as the enforcement basis.
- FinCEN 2026-02-26
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Treasury Proposes Rule to Sever Swiss Bank MBaer’s Access to U.S. Financial System
The proposed rule cites facilitating transactions for sanctioned entities but does not detail missing decision records or governance artifacts within MBaer's internal compliance framework.
- FED 2026-02-24
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Federal Reserve Board issues enforcement action with former employee of First Financial Bank
The enforcement action addresses individual misconduct by a former bank employee but does not specify failures in decision documentation, governance controls, or recordkeeping systems.
- FED 2026-01-15
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Federal Reserve Board issues enforcement action with former employee of PrimeLending
Individual employee enforcement actions typically lack institutional decision governance findings unless the order cites supervisory failures to document risk decisions or override rationales.
- NCUA 2025-12-31
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The prohibition orders cite breach of fiduciary duty and unsafe practices but do not specify missing decision records or governance artifacts as the underlying failure.
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