For fintech compliance teams
Your team is small. Your findings aren't.
Partner banks, state examiners, the CFPB and auditors all expect bank-grade answers. Anchord assesses any finding free in ten minutes, then does the fixes, asks the right people for the rest, and proves every one closed.
Findings fromPartner bankState examinersCFPBCard networksAuditors and SOC 2Your own testing
No sign-in. You get a shareable PDF assessment.
What the public record shows
A short deadline. A long lookback. A small team.
Across seven public enforcement cases against fintechs and their partner banks since 2024, the same pattern repeats.
- 90 daysto deliver an action planOCC order, Apr 2026
- Back to 2020how far lookbacks reachedFDIC orders, Feb 2024
- 12 monthsto fix everything a consultant finds48 states, Jan 2025
- Apr 2026 · OCC
Due diligence called ineffective
The sponsor bank for Wise and Crypto.com must deliver an action plan in 90 days and look back over past transactions. Requests like that flow down to its fintech partners. American Banker
Anchord: Lists customers past due for review, asks them to re-verify, and chases overdue AML training.
- 2025 · CFPB
6.6M complaints, double 2024
Each complaint sent to a company starts a 15-day response clock. Partner banks test whether every complaint, from every channel, reached your register. CFPB
Anchord: Finds complaints missing from your register, adds them with your approval, and re-checks every month.
- Jan 2025 · 48 states
$80M for a BSA/AML program
Block's Cash App got an independent consultant, a report due in 9 months, and 12 months to fix everything it found. Wisconsin DFI
Anchord: Turns a findings list into owned, dated fixes, and proves each one closed.
- Jun 2024 · Federal Reserve
Partner oversight under order
Evolve must get board approval before any new fintech partner or product, and have its partner program independently reviewed. Banking Dive
Anchord: Keeps your vendor files current, so you're ready when your bank reviews you.
From finding to closed
Assess free. Then every fix lands in one of three lanes.
Free assessment
The rules that apply, the likely cause, who is affected and what's still unknown, each with its source.
Anchord does it
Routine fixes in your own systems, each approved by you and re-checked after.
Adds each missing complaint to the register, linked to where it came in, then re-checks.
Anchord asks
Facts and fixes only a person holds, sent to the right owner and chased.
Asks Support how each channel was meant to reach the register.
You decide
Judgment calls stay with you, with the evidence laid out.
Refunds or credits for complaints resolved late.
Supported in depth:Complaint handlingAccess reviewsKYC refresh and AML trainingThird-party oversightAny other fintech finding gets a general assessment.
Who does what
Others track it, certify it, work one queue or advise. Anchord brings it together and closes the finding.
- Track it
GRC and findings systems record the issue, assign tasks and report status. Your team still does the work.
Ncontracts, Optro (AuditBoard), Hyperproof, Canarie - Certify it
Trust platforms automate evidence for SOC 2, ISO and PCI, and their agents help with questionnaires and vendor reviews.
Vanta, Drata - Work one queue
AI agents work a single queue, such as fraud and AML alerts, due diligence or SAR casework, with analysts in the loop.
Unit21, Hummingbird - Advise on it
Experienced advisers scope the program, run regulator-ordered lookbacks and sit across the table from your bank.
Klaros Group, Huron
- Partner bank
- State examiners
- CFPB
- Auditors and SOC 2
- Your own testing
- Assess against the rules as they stand today
- Plan with an owner for every step
- Do, ask or hand you the call, step by step
- Re-check every fix before it counts as closed
You approve every change to a record and every message sent for you.
- Zendesk, Freshdesk, Intercom
- Salesforce and HubSpot service
- Jira and ServiceNow
- A CSV export from any system
And sits alongside your tracker, alert platform and advisers.
Evidence your bank or examiner can check, from one place.
Descriptions are drawn from each company's own website, November 2026.
AI, with people in the loop
AI where it helps. People where it matters.
- Reading the finding, your documents and the rules that apply
- Mapping cause, scope and who is affected
- Drafting questions, records and responses
- Routine fixes in your systems, once approved
- Re-checking every fix against your records
- You set how far it goes. Draft only, Ask me first, or Go ahead. Ask me first is the default.
- Approval before any change. Writes to customer records and messages on someone's behalf always wait for a named person's approval, in every mode.
- Judgment stays human. Refunds, decisions about a customer and whether to report something always go to a person, with the evidence laid out.
- A record of every step. Who approved what, when, and the re-check that proved it, ready for your bank or examiner.
AI's part in your finding
When software makes or shapes decisions, every assessment asks four questions about it.
- Did it cause the finding?Checked against the software's decision records.
- Is the model affected too?Its inputs, outputs or training data may carry the same problem.
- Did it spread the fault?Software applies one logic to every case, so one fault can reach all of them.
- Who governs it?The model's owner, inventory entry, validation and human review records.
Why it matters: Colorado's AI Act, which reaches lending decisions, was delayed once and set for June 30, 2026, and its future is still being debated (Hudson Cook). Rules on AI will keep moving. The questions above don't change.
Built for rules that keep moving
Nobody knows which rules will stick. Every finding still has to close.
- Jan 2027
The GENIUS Act takes effect for payment stablecoins, with OCC rules on reserves, redemption and weekly reporting.
OCC final rule, Oct 2026 - Proposed 2026
FinCEN would require AML programs to be effective, not just written, with risk assessments updated promptly when things change.
Federal Register, Apr 2026 - 31 states
have now enacted the model Money Transmission Modernization Act in full or in part, with more to follow.
CSBS, Sep 2026 - On hold
The CFPB's open banking rule is enjoined and being reconsidered, so its deadlines are unknown.
Open Banking Tracker, Jun 2026
- Built around the finding, not a fixed rulebook. A new rule changes what a finding is measured against, not how it gets closed.
- Rules read fresh every time. Each assessment checks the rules as they stand that day, with a source on every one.
- Proof that can be run again. Every fix comes with a re-check, so when a rule or a system changes you can see whether a finding has reopened.
Have an open compliance finding?
See what it touches and how it closes, in ten minutes.