Bank Enforcement Action Tracker — OCC / FDIC / Fed enforcement API

A bank enforcement action API that merges US federal bank & credit-union enforcement actions into ONE normalized, entity-resolved feed. It tags every action by type (Cease & Desist, Civil Money Penalty, BSA/AML, Fair Lending, Prompt Corrective Action, Written Agreement, Removal/Prohibition, Termination) and by severity, resolves the institution to its FDIC certificate (CERT), and can emit only the new actions since your last run. The raw orders are public but scattered across regulators — this actor builds the transform layer.

Who it's for

• AML / BSA & compliance teams monitoring enforcement risk across banks.
• Bank & fintech risk / vendor-due-diligence analysts screening counterparties.
• KYB / onboarding platforms enriching institutions with enforcement history.
• Bank & regulatory lawyers, journalists, and researchers tracking actions.
• AI agents needing a "bank enforcement action" lookup tool.

What it does

Pulls enforcement actions from the enabled regulators, normalizes each to a unified record, classifies action type + severity (a monetary penalty floors severity to critical), best-effort resolves the institution to an FDIC CERT via the keyless FDIC BankFind API, dedups on a stable action id, and sorts by severity then date. Use monitor mode on a schedule for a new-action alert.

Regulators (v1)

• OCC — Office of the Comptroller of the Currency (enforcement actions). Included.
• FDIC — used for entity resolution (institution name → CERT / state / city).
• FRB / NCUA / CFPB — config blocks are scaffolded and ship disabled; they turn on as each regulator's keyless machine-readable feed is verified.

Example input

{
  "regulators": ["OCC"],
  "sinceDate": "2024-01-01",
  "actionTypes": ["Civil Money Penalty", "BSA/AML"],
  "institutionName": "",
  "state": "",
  "resolveEntities": true,
  "maxResults": 500,
  "monitor": false
}

Output (per action)

institution_name, regulator, institution_id, id_type, fdic_cert, fdic_matched_name, action_type, severity, severity_rank, penalty_amount, action_date, title, url, source_system, docket_number, location, subject_matters[], termination_date, action_id.

Use as an MCP tool

Available to AI agents via mcp.apify.com as a "bank enforcement action tracker" tool — filters in, classified + entity-resolved enforcement records out. The field-level descriptions make it a clean, chainable tool for agent workflows.

FAQ

Which regulators are covered? v1 ships OCC enforcement actions with FDIC-based entity resolution; FRB, NCUA, and CFPB are scaffolded for future release. How is severity decided? Heuristic: monetary penalties and Cease & Desist / PCA rank highest, written agreements medium, terminations low; any real penalty floors severity to critical. Can I track only new actions? Yes — monitor: true on a schedule. Is it keyless? Yes — OCC EASearch and FDIC BankFind are keyless JSON. How do you resolve institutions? Fuzzy name match against FDIC BankFind, gated by name-token overlap and (when available) state agreement.

Source

US OCC enforcement-actions export (apps.occ.gov/EASearch) + FDIC BankFind institutions API (banks.data.fdic.gov). Official, keyless, no anti-bot.

Pricing (Pay Per Result)

Billed per enforcement-action record returned. Empty searches cost nothing.