# Bank Enforcement Action Tracker — OCC/FDIC/Fed API (`malonestar/bank-enforcement-tracker`) Actor Bank enforcement action tracker: merges US federal bank & credit-union enforcement actions into one normalized feed. Tags each action by type (Cease & Desist, Civil Money Penalty, BSA/AML, PCA) and severity, resolves the institution to an FDIC CERT, and supports delta monitoring. Keyless. - **URL**: https://apify.com/malonestar/bank-enforcement-tracker.md - **Developed by:** [Kyle Maloney](https://apify.com/malonestar) (community) - **Categories:** Lead generation, Developer tools, Agents - **Stats:** 2 total users, 0 monthly users, 100.0% runs succeeded, 0 bookmarks - **User rating**: No ratings yet ## Pricing from $8.00 / 1,000 results This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events. Learn more: https://docs.apify.com/platform/actors/running/actors-in-store#pay-per-event ## What's an Apify Actor? Actors are a software tools running on the Apify platform, for all kinds of web data extraction and automation use cases. In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours, and optionally produces a well-defined JSON output, datasets with results, or files in key-value store. In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server. Actors are written with capital "A". ## How to integrate an Actor? If asked about integration, you help developers integrate Actors into their projects. You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready. The best way to integrate Actors is as follows. In JavaScript/TypeScript projects, use official [JavaScript/TypeScript client](https://docs.apify.com/api/client/js.md): ```bash npm install apify-client ``` In Python projects, use official [Python client library](https://docs.apify.com/api/client/python.md): ```bash pip install apify-client ``` In shell scripts, use [Apify CLI](https://docs.apify.com/cli/docs.md): ````bash # MacOS / Linux curl -fsSL https://apify.com/install-cli.sh | bash # Windows irm https://apify.com/install-cli.ps1 | iex ```bash In AI frameworks, you might use the [Apify MCP server](https://docs.apify.com/platform/integrations/mcp.md). If your project is in a different language, use the [REST API](https://docs.apify.com/api/v2.md). For usage examples, see the [API](#api) section below. For more details, see Apify documentation as [Markdown index](https://docs.apify.com/llms.txt) and [Markdown full-text](https://docs.apify.com/llms-full.txt). # README ## 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 ```json { "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. # Actor input Schema ## `regulators` (type: `array`): Subset of federal financial regulators to include. Allowed codes: OCC (enabled), FRB, NCUA, CFPB (scaffolded, pending a verified keyless feed). Empty = all currently-enabled regulators (v1: OCC). ## `sinceDate` (type: `string`): Only return enforcement actions dated on or after this day (matches the action's start/effective date). Use for recurring monitoring windows. Empty = no lower bound. ## `actionTypes` (type: `array`): Keep only these unified action types. Allowed values: Cease & Desist, Civil Money Penalty, BSA/AML, Fair Lending, Prompt Corrective Action, Written Agreement, Removal/Prohibition, Termination, Other. Empty = all types. ## `institutionName` (type: `string`): Case-insensitive substring filter on the institution / party name (e.g. 'wells fargo', 'century bank'). Empty = all institutions. ## `state` (type: `string`): Filter to actions whose institution is located in this US state (2-letter code, e.g. CA, TX). Derived from the action's location / resolved FDIC record. Empty = all states. ## `resolveEntities` (type: `boolean`): Best-effort match each institution name to an FDIC certificate (CERT) via the keyless FDIC BankFind API, adding fdic\_cert / fdic\_matched\_name. Turn off to skip the extra lookups and run faster. ## `maxResults` (type: `integer`): Maximum number of enforcement-action records to return after merging, filtering, dedup, and severity sort. ## `monitor` (type: `boolean`): When scheduled, emit only actions whose stable action id was not seen in previous runs - a recurring new-enforcement-action alert. State is kept in the actor's key-value store. ## Actor input object example ```json { "regulators": [ "OCC" ], "sinceDate": "2024-01-01", "actionTypes": [ "Civil Money Penalty", "BSA/AML" ], "resolveEntities": true, "maxResults": 500, "monitor": false } ``` # Actor output Schema ## `results` (type: `string`): Normalized, entity-resolved bank/credit-union enforcement actions, in the default dataset. # API You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup. ## JavaScript example ```javascript import { ApifyClient } from 'apify-client'; // Initialize the ApifyClient with your Apify API token // Replace the '' with your token const client = new ApifyClient({ token: '', }); // Prepare Actor input const input = { "regulators": [ "OCC" ], "sinceDate": "2024-01-01", "actionTypes": [ "Civil Money Penalty", "BSA/AML" ], "maxResults": 500 }; // Run the Actor and wait for it to finish const run = await client.actor("malonestar/bank-enforcement-tracker").call(input); // Fetch and print Actor results from the run's dataset (if any) console.log('Results from dataset'); console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`); const { items } = await client.dataset(run.defaultDatasetId).listItems(); items.forEach((item) => { console.dir(item); }); // 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs ``` ## Python example ```python from apify_client import ApifyClient # Initialize the ApifyClient with your Apify API token # Replace '' with your token. client = ApifyClient("") # Prepare the Actor input run_input = { "regulators": ["OCC"], "sinceDate": "2024-01-01", "actionTypes": [ "Civil Money Penalty", "BSA/AML", ], "maxResults": 500, } # Run the Actor and wait for it to finish run = client.actor("malonestar/bank-enforcement-tracker").call(run_input=run_input) # Fetch and print Actor results from the run's dataset (if there are any) print("💾 Check your data here: https://console.apify.com/storage/datasets/" + run["defaultDatasetId"]) for item in client.dataset(run["defaultDatasetId"]).iterate_items(): print(item) # 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start ``` ## CLI example ```bash echo '{ "regulators": [ "OCC" ], "sinceDate": "2024-01-01", "actionTypes": [ "Civil Money Penalty", "BSA/AML" ], "maxResults": 500 }' | apify call malonestar/bank-enforcement-tracker --silent --output-dataset ``` ## MCP server setup ```json { "mcpServers": { "apify": { "command": "npx", "args": [ "mcp-remote", "https://mcp.apify.com/?tools=malonestar/bank-enforcement-tracker", "--header", "Authorization: Bearer " ] } } } ``` ## OpenAPI specification ```json { "openapi": "3.0.1", "info": { "title": "Bank Enforcement Action Tracker — OCC/FDIC/Fed API", "description": "Bank enforcement action tracker: merges US federal bank & credit-union enforcement actions into one normalized feed. Tags each action by type (Cease & Desist, Civil Money Penalty, BSA/AML, PCA) and severity, resolves the institution to an FDIC CERT, and supports delta monitoring. Keyless.", "version": "1.0", "x-build-id": "Z4tDESK0frmcFX5YB" }, "servers": [ { "url": "https://api.apify.com/v2" } ], "paths": { "/acts/malonestar~bank-enforcement-tracker/run-sync-get-dataset-items": { "post": { "operationId": "run-sync-get-dataset-items-malonestar-bank-enforcement-tracker", "x-openai-isConsequential": false, "summary": "Executes an Actor, waits for its completion, and returns Actor's dataset items in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK" } } } }, "/acts/malonestar~bank-enforcement-tracker/runs": { "post": { "operationId": "runs-sync-malonestar-bank-enforcement-tracker", "x-openai-isConsequential": false, "summary": "Executes an Actor and returns information about the initiated run in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/runsResponseSchema" } } } } } } }, "/acts/malonestar~bank-enforcement-tracker/run-sync": { "post": { "operationId": "run-sync-malonestar-bank-enforcement-tracker", "x-openai-isConsequential": false, "summary": "Executes an Actor, waits for completion, and returns the OUTPUT from Key-value store in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK" } } } } }, "components": { "schemas": { "inputSchema": { "type": "object", "properties": { "regulators": { "title": "Regulators", "type": "array", "description": "Subset of federal financial regulators to include. Allowed codes: OCC (enabled), FRB, NCUA, CFPB (scaffolded, pending a verified keyless feed). Empty = all currently-enabled regulators (v1: OCC).", "default": [], "items": { "type": "string" } }, "sinceDate": { "title": "Action date since (YYYY-MM-DD)", "type": "string", "description": "Only return enforcement actions dated on or after this day (matches the action's start/effective date). Use for recurring monitoring windows. Empty = no lower bound." }, "actionTypes": { "title": "Action types", "type": "array", "description": "Keep only these unified action types. Allowed values: Cease & Desist, Civil Money Penalty, BSA/AML, Fair Lending, Prompt Corrective Action, Written Agreement, Removal/Prohibition, Termination, Other. Empty = all types.", "default": [], "items": { "type": "string" } }, "institutionName": { "title": "Institution name filter", "type": "string", "description": "Case-insensitive substring filter on the institution / party name (e.g. 'wells fargo', 'century bank'). Empty = all institutions." }, "state": { "title": "State (2-letter)", "type": "string", "description": "Filter to actions whose institution is located in this US state (2-letter code, e.g. CA, TX). Derived from the action's location / resolved FDIC record. Empty = all states." }, "resolveEntities": { "title": "Resolve institutions to FDIC CERT", "type": "boolean", "description": "Best-effort match each institution name to an FDIC certificate (CERT) via the keyless FDIC BankFind API, adding fdic_cert / fdic_matched_name. Turn off to skip the extra lookups and run faster.", "default": true }, "maxResults": { "title": "Max results", "minimum": 1, "maximum": 100000, "type": "integer", "description": "Maximum number of enforcement-action records to return after merging, filtering, dedup, and severity sort.", "default": 1000 }, "monitor": { "title": "Delta mode (only new since last run)", "type": "boolean", "description": "When scheduled, emit only actions whose stable action id was not seen in previous runs - a recurring new-enforcement-action alert. State is kept in the actor's key-value store.", "default": false } } }, "runsResponseSchema": { "type": "object", "properties": { "data": { "type": "object", "properties": { "id": { "type": "string" }, "actId": { "type": "string" }, "userId": { "type": "string" }, "startedAt": { "type": "string", "format": "date-time", "example": "2025-01-08T00:00:00.000Z" }, "finishedAt": { "type": "string", "format": "date-time", "example": "2025-01-08T00:00:00.000Z" }, "status": { "type": "string", "example": "READY" }, "meta": { "type": "object", "properties": { "origin": { "type": "string", "example": "API" }, "userAgent": { "type": "string" } } }, "stats": { "type": "object", "properties": { "inputBodyLen": { "type": "integer", "example": 2000 }, "rebootCount": { "type": "integer", "example": 0 }, "restartCount": { "type": "integer", "example": 0 }, "resurrectCount": { "type": "integer", "example": 0 }, "computeUnits": { "type": "integer", "example": 0 } } }, "options": { "type": "object", "properties": { "build": { "type": "string", "example": "latest" }, "timeoutSecs": { "type": "integer", "example": 300 }, "memoryMbytes": { "type": "integer", "example": 1024 }, "diskMbytes": { "type": "integer", "example": 2048 } } }, "buildId": { "type": "string" }, "defaultKeyValueStoreId": { "type": "string" }, "defaultDatasetId": { "type": "string" }, "defaultRequestQueueId": { "type": "string" }, "buildNumber": { "type": "string", "example": "1.0.0" }, "containerUrl": { "type": "string" }, "usage": { "type": "object", "properties": { "ACTOR_COMPUTE_UNITS": { "type": "integer", "example": 0 }, "DATASET_READS": { "type": "integer", "example": 0 }, "DATASET_WRITES": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_READS": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_WRITES": { "type": "integer", "example": 1 }, "KEY_VALUE_STORE_LISTS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_READS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_WRITES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_INTERNAL_GBYTES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_EXTERNAL_GBYTES": { "type": "integer", "example": 0 }, "PROXY_RESIDENTIAL_TRANSFER_GBYTES": { "type": "integer", "example": 0 }, "PROXY_SERPS": { "type": "integer", "example": 0 } } }, "usageTotalUsd": { "type": "number", "example": 0.00005 }, "usageUsd": { "type": "object", "properties": { "ACTOR_COMPUTE_UNITS": { "type": "integer", "example": 0 }, "DATASET_READS": { "type": "integer", "example": 0 }, "DATASET_WRITES": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_READS": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_WRITES": { "type": "number", "example": 0.00005 }, "KEY_VALUE_STORE_LISTS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_READS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_WRITES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_INTERNAL_GBYTES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_EXTERNAL_GBYTES": { "type": "integer", "example": 0 }, "PROXY_RESIDENTIAL_TRANSFER_GBYTES": { "type": "integer", "example": 0 }, "PROXY_SERPS": { "type": "integer", "example": 0 } } } } } } } } } } ```