Predictive Exam & Enforcement Auditor
3D visualization of regulatory risks. 18,000+ documents analyzed.
Predictive Regulatory Intelligence for Fintechs
Get 48-hour advance notice of likely exam focus areas and MRAs by analyzing patterns across 18,000+ OCC, Fed, FDIC, and CFPB enforcement actions.
How It Works:
- Pattern Recognition: Tracks when regulators heighten scrutiny (e.g., 60%+ of partner-bank-reliant fintechs faced third-party management findings post-2023 guidance).
- Dual AI Verification: Cross-checks findings with Claude + secondary AI for accuracy.
- Prioritized Risks: Highlights your exposure with citations to actual enforcement actions and guidance.
- Remediation Actions: Provides actionable steps to close gaps before exam letters arrive.
Example: Typical Fintech Risk Profile (Current State)
| Risk Area | Probability | Rationale |
|---|---|---|
| Third-Party Management | High (90+ days) | 60%+ of similar fintechs cited post-OCC Bulletin 2023-17 |
| Consumer Refund Processes | Medium-High (180 days) | CFPB 2024 actions on dispute handling |
| Deposit/Liquidity | Medium (360 days) | Fed SR letters 2024-2025 on deposit concentration |
Actual analysis grounded in your specific business model (partner bank reliance, product mix, transaction volume). ROI: Cut MRA probability 40-50% by addressing patterns peer cohort missed.
— Regent Forge: Predictive compliance, not reactive.
The Compliance Crisis
Fintech Fines Surge
417% increase to $1.23B
Regulatory fines against fintechs skyrocketed in H1 2025 (Fenergo Global Enforcement Report).
- Third-party risk management failures
- Consumer protection violations
- AML/KYC deficiencies
Source: Fenergo 2025 Enforcement Data
Compliance Costs Crushing Growth
$206B globally / $61B US
Annual compliance spending continues to rise, with non-compliance costing 2.71x more.
- Reactive approach = constant firefighting
- MRAs derail product launches
- Exam prep consumes executive time
Source: LexisNexis / Ascent 2024 Report
3D Risk Visualization
Visualize your regulatory risk landscape in 3D space. Peaks represent high-risk areas requiring immediate attention (red = critical), while valleys show lower-priority zones. Our AI analyzes patterns across 18,000+ enforcement actions to map your exposure in real-time.
Regulatory Enforcement Data
Fintech Fines 2022-2025
Top Risk Categories
Try Claude Legal Analysis
Powered by Claude Opus 4.6 Legal Plugin. Grounded in citations to actual regulatory guidance.
Risk Level: High (OCC Bulletin 2023-17 significantly raised expectations)
Key Requirements:
• Board-level oversight and accountability
• Enhanced due diligence for critical activities
• Ongoing monitoring and performance metrics
• Contingency plans for service disruptions
Confidence: 92% (based on recent enforcement patterns)
Timeline: 90-180 days until likely exam focus
Recommended Actions:
1. Conduct gap analysis against OCC 2023-17 checklist
2. Document risk assessments for all critical vendors
3. Establish board reporting mechanisms
4. Implement continuous monitoring protocols
Projected Impact: 40-50% reduction in MRA probability if addressed proactively.
Disclaimer: This is an AI analysis tool, not legal advice. Consult with compliance counsel for specific guidance.
Pricing
60-Day Pilot
- Unlimited platform access
- Weekly risk updates
- Personalized risk reports
- Email support
- Money-back guarantee
Standard
$9,000 annually
- Everything in Pilot, plus:
- Dual AI verification system
- Priority email support
- Up to 5 user seats
- API access
- Quarterly strategy sessions
Enterprise
$30,000 annually
- Everything in Standard, plus:
- Unlimited user seats
- Custom integrations
- Dedicated account manager
- White-label options
- On-demand consulting