Comply

pre-seed

12 CFR § 1026.43● INDEXED

Ability-to-Repay Rule

CFPBREQUIREMENT

2026-02-27 02:14:33

31 CFR § 1010.311● INDEXED

CTR Filing Threshold

FinCENTHRESHOLD

2026-02-27 01:58:11

17 CFR § 275.206(4)◐ PENDING

Investment Adviser Custody

SECPROHIBITION

2026-02-26 23:41:07

12 CFR § 252.82○ REVIEW

Resolution Plan Requirements

FedREQUIREMENT

2026-02-27 00:22:54

31 CFR § 1022.320● INDEXED

SAR Filing — MSB

FinCENOBLIGATION

2026-02-27 02:01:18

12 CFR § 208.62● INDEXED

SAR Filing — Banks

OCCOBLIGATION

2026-02-27 01:44:29

15 USC § 78o◐ PENDING

Broker-Dealer Registration

SECDEFINITION

2026-02-26 22:55:03

12 CFR § 1026.2○ REVIEW

TILA — Definitions

CFPBDEFINITION

2026-02-27 00:08:41

48,291 rules indexed· live

Regulation, parsed_

Federal registers → machine-readable rule sets.
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01 / The Problem

This is what your compliance team
reads every morning.

40+ hours a week. Manual. Error-prone. One update in § 1010.311 cascades into 14 downstream rule changes no one catches until the enforcement action.

federal_register_2026.pdf — 1,247 pagesREAD-ONLY

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(a) Scope. This section applies to any consumer credit transaction that is

secured by a dwelling, as defined in § 1026.2(a)(19), including any real property

attached to a dwelling, other than:

(1) A home equity line of credit subject to § 1026.40;

(2) A mortgage transaction secured by a consumer's interest in a timeshare plan,

as defined in 11 U.S.C. 101(53D);

(3) A reverse mortgage subject to § 1026.33; or

(4) A temporary or "bridge" loan with a term of twelve months or less, such as a

loan to finance the purchase of a new dwelling where the consumer plans to sell a

current dwelling within twelve months or a loan to finance the initial construction

(b) Definitions. For purposes of this section:

(1) "Affiliate" means any company that controls, is controlled by, or is under

common control with another company, as set forth in the Bank Holding Company

Act of 1956 (12 U.S.C. 1841 et seq.).

(2) "Balloon payment" means a periodic payment that is more than two times a

regular periodic payment. A final payment is not a balloon payment if the loan

agreement requires at least one payment that is more than two times a regular

periodic payment and the final payment is no larger than such payment.

(3) "Business day" means a day on which the creditor's offices are open to the

public for carrying out substantially all of its business functions.

(4) "Covered transaction" means a consumer credit transaction that is secured by

a dwelling, as defined in § 1026.2(a)(19), including any real property attached to a

Except as provided in paragraph (d) of this section, a creditor shall not make a

loan that is a covered transaction unless the creditor makes a reasonable and good

faith determination at or before consummation that the consumer will have a

reasonable ability to repay the loan according to its terms.

(2) Prepayment penalties. A covered transaction shall not include a prepayment

penalty unless: (i) The prepayment penalty is otherwise permitted by law; and

(ii)(A) The covered transaction is not a higher-priced mortgage loan, as defined in

§ 1026.35(a); (B) The covered transaction is a fixed-rate mortgage; (C) The covered

transaction is not a transaction for which the interest rate may or will change in the

first four years after the date on which the first regular periodic payment will be due;

§ 1010.311 Reports by banks of suspicious transactions.

(a) General. (1) Every bank shall file with FinCEN, to the extent and in the manner

required by this section, a report of any suspicious transaction relevant to a possible

violation of law or regulation. A bank may also file with FinCEN a report of any

suspicious transaction that it believes is relevant to the possible violation of any law

(b) Filing procedures—(1) What to file. A Suspicious Activity Report ("SAR") shall

be filed on Financial Crimes Enforcement Network ("FinCEN") SAR (FinCEN Report 111),

which can be found at https://www.fincen.gov/sites/default/files/shared/FinCEN111_ctr.pdf.

(2) Where to file. A completed SAR shall be filed with FinCEN in accordance with

instructions provided by FinCEN. SARs filed by banks shall be filed electronically with

FinCEN. A SAR shall be filed no later than 30 calendar days after the date of initial

detection by the reporting bank of facts that may constitute a basis for filing a SAR.

§ 275.206(4)-2 Custody of funds or securities of clients by investment advisers.

(a) General provision. If you are an investment adviser registered or required to be

registered under section 203 of the Act (15 U.S.C. 80b-3), it is a fraudulent, deceptive,

or manipulative act, practice or course of business within the meaning of section

206(4) of the Act (15 U.S.C. 80b-6(4)) for you to have custody of client funds or

securities unless: (1) A qualified custodian maintains those funds and securities in

a separate account for each client under that client's name; or in accounts that

contain only your clients' funds and securities, under your name as agent or trustee

for the clients.

↓ 1,247 more pages below

40h

per week on manual rule mapping

14×

downstream changes per regulatory update

$2.4M

avg. enforcement fine, mid-size fintech

02 / The Output

Same regulation.
Actually actionable.

REQUIREMENTPROHIBITIONDEFINITIONEXCEPTION

REQUIREMENT

CFPB98.4% conf.

12 CFR § 1026.43(c)(1)

Ability-to-Repay Determination

Creditor must make reasonable, good-faith determination that consumer can repay loan per its terms at or before consummation.

ACTION REQUIRED

Verify ATR documentation before loan close. Mandatory for all covered transactions.

Effective: 2014-01-10

REQUIREMENT

FinCEN99.1% conf.

31 CFR § 1010.311(b)(2)

SAR Filing Deadline — Banks

SAR must be filed with FinCEN no later than 30 calendar days after initial detection of suspicious activity.

ACTION REQUIRED

T+30 calendar day hard deadline from detection. File via FinCEN BSA E-Filing System.

Effective: 2003-04-24

PROHIBITION

SEC97.7% conf.

17 CFR § 275.206(4)-2(a)

Custody Rule — Client Assets

Investment adviser holding custody of client funds without qualified custodian maintaining segregated accounts is per se fraudulent.

ACTION REQUIRED

Qualified custodian required. Segregated account per client. Annual surprise exam unless exemption applies.

Effective: 2010-03-12

EXCEPTION

Fed / FDIC95.2% conf.

12 CFR § 252.82(a)

Resolution Plan — Tailored Approach

Covered companies may submit resolution plans under tailored approach if assets below $250B threshold.

ACTION REQUIRED

Check consolidated asset threshold. Tailored plans due every 3 years vs. annual for full-resolution.

Effective: 2019-11-01

GET/v1/rules?citation=12-CFR-1026.43&format=structured
● 94msavg response

03 / Scale & Coverage

Built for the full
regulatory surface area.

LIVE COUNTER

rules indexed across federal & state registers

Jurisdiction Coverage

CFPBFinCENSECOCCFDICFedCFTCFINRANY DFSCA DFPITX DOBIL IDFPREU MiCAFCA (UK)MAS (SG)OSFI (CA)APRA (AU)BaFin (DE)ACPR (FR)CySECESMAEBAIOSCOFATF+12 more →

API Response

94ms

avg · p95 <180ms · p99 <320ms

Parse Accuracy

97.8%

vs. senior compliance attorney

Reg Updates Tracked

this quarter · auto-propagated

Next Fed Register check: 06:00 UTC

Fintech Licensing·AML / BSA Compliance·Crypto Exchange Ops·Bank Holding Co.·Investment Adviser Reg·Cross-Border Payments·Consumer Lending·Digital Asset Custody·BNPL Regulation·Open Banking APIs·Fintech Licensing·AML / BSA Compliance·Crypto Exchange Ops·Bank Holding Co.·Investment Adviser Reg·Cross-Border Payments·Consumer Lending·Digital Asset Custody·BNPL Regulation·Open Banking APIs·

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Regulation, parsed_

This is what your compliance teamreads every morning.

Same regulation.Actually actionable.

Ability-to-Repay Determination

SAR Filing Deadline — Banks

Custody Rule — Client Assets

Resolution Plan — Tailored Approach

Built for the fullregulatory surface area.

Stop mapping rulesby hand.

This is what your compliance team
reads every morning.

Same regulation.
Actually actionable.

Built for the full
regulatory surface area.

Stop mapping rules
by hand.