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    <title>3G Times — Compliance</title>
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    <description>The operating side of the rulebook: control design, evidence collection, audit trails and the staffing a supervised firm needs to pass inspection.</description>
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      <title>FinCEN&apos;s SAR Rule Explained: The 30-Day Deadline, the $5,000 Threshold, and What Changed in 2025</title>
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      <description><![CDATA[A joint FAQ from FinCEN and four federal banking regulators narrows when suspicious activity reports are required, without altering the underlying filing deadlines set out in 31 C.F.R. § 1020.320.]]></description>
      <pubDate>Wed, 19 Aug 2026 08:38:24 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>What NYDFS Part 500 Requires After the 2023 Amendments: 72-Hour Reporting and the 2025 Deadlines</title>
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      <description><![CDATA[NYDFS's amended cybersecurity regulation imposes 72-hour incident reporting, joint annual certification, and controls deadlines concluding November 1, 2025. Here is what covered entities must do.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:38:08 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>ECOA Adverse Action Notices When AI Influences Credit Decisions: Circular 2022-03 in Practice</title>
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      <description><![CDATA[ECOA adverse action notices when AI drives credit decisions: Regulation B, Circular 2022-03, and the reason pipeline built as model governance.]]></description>
      <pubDate>Sat, 25 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>OFAC&apos;s 50 Percent Rule: Ownership Screening for Shell Structures in Payment Chains</title>
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      <description><![CDATA[OFAC's 50 Percent Rule: aggregate ownership blocks unlisted entities — graph-based screening, traversal, and the exam artifact lists cannot show.]]></description>
      <pubDate>Fri, 03 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>The E-SIGN Act and Digital Account Opening: What Constitutes Valid Consumer Consent</title>
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      <description><![CDATA[E-SIGN Act consent for digital account opening: notice, demonstrable consent, withdrawal, format changes — and the artifacts that prove the ceremony.]]></description>
      <pubDate>Wed, 10 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>Off-Channel Communications After $2 Billion in SEC Settlements: Records Discipline That Actually Holds</title>
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      <description><![CDATA[Off-channel communications after $2B in SEC settlements: Rule 17a-4 duties, channel inventories, executive capture, and attestations that verify.]]></description>
      <pubDate>Tue, 19 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>Regulation E Error Resolution for Fraudulent Transfers: Clocks, Provisional Credit, and P2P Disputes</title>
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      <description><![CDATA[Regulation E error resolution explained: 10-day investigation, provisional credit, 45-day extension, and how P2P and Zelle fraud disputes map to the rule.]]></description>
      <pubDate>Sun, 26 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>Who the FTC Safeguards Rule Covers, and When Its Incident-Notification Requirement Triggers</title>
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      <description><![CDATA[FTC Safeguards Rule: who it covers, the written-program requirements, and the 2024 breach-notification duty — 500 consumers, 30 days, to the Commission.]]></description>
      <pubDate>Sat, 04 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>How to Document a Compliance Risk Assessment That Survives an OCC Examination</title>
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      <description><![CDATA[OCC Bulletin 2016-39 compliance risk assessment: inherent risk grading, control mapping, evidence, and fintech-partner coverage for exam day.]]></description>
      <pubDate>Thu, 12 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>The BSA Travel Rule at $3,000: What Virtual-Asset Transfers Must Exchange, and Since When</title>
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      <description><![CDATA[The BSA travel rule at $3,000 for virtual-asset transfers: 31 CFR 1010.410(f), FATF R.16, the EU TFR, and IVMS 101 interoperability.]]></description>
      <pubDate>Wed, 18 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>SEC Marketing Rule Compliance for Robo-Advisers: Performance Ads, Testimonials, and App-Store Ratings</title>
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      <description><![CDATA[SEC Marketing Rule compliance for robo-advisers: hypothetical performance, testimonials, app-store ratings, and the Titan enforcement template.]]></description>
      <pubDate>Mon, 26 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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      <title>How SR 11-7 Applies to AI Credit Models: Building a Compliant Model Risk Management Program</title>
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      <description><![CDATA[SR 11-7 model risk management for AI credit models: inventory, independent validation, effective challenge, and monitoring examiners expect.]]></description>
      <pubDate>Sun, 04 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
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