United States — Country Risk Report
United States (Americas • North America). Risk report as of the 19 Jun 2026 FATF plenary.
Moderate country risk. United States's country risk score is 3.2/10, placing it in the moderate-risk band. The principal score driver is AML/CFT effectiveness, contributing 1.5 of 3.2 points. Separately, the treatment overlays show that United States is not currently FATF grey- or black-listed, and that United States is not subject to comprehensive country-wide sanctions and has no direct country-level programme identified. Firms should apply additional scrutiny where exposure involves state-linked entities, restricted sectors, sensitive technology, dual-use goods or politically exposed counterparties.
Recommended treatment
Standard due diligence for most relationships, with enhanced checks where defined risk triggers are present.
At a glance
- FATF status: Not currently listed (one indicator only; it does not set the overall country risk rating by itself)
- No direct country-level sanctions programme identified; sanctions remain a legal treatment overlay and applicable lists must still be screened.
- Governance and institutions: 2.8/10
- Corruption (CPI 2025): 64/100, rank #29 of 182
- Enforcement: 6 live regulator feeds; current totals are loaded from the live evidence API
Country Risk Score: 3.2/10 (Moderate)
Higher score means higher country risk (global average 5.5). Full information available. Composite score. Limited supporting evidence. Enforcement activity and CPI are context only; FATF listing and sanctions are regulatory overlays except the labelled FATF listing status used where no mutual evaluation exists.
All three underlying risk pillars are available. All three underlying risk pillars are available and weighted using the published formula. Weight sensitivity 3.1–3.2/10.
How this score was calculated
- AML/CFT effectiveness: 3.3/10 — 45% of this score
- Technical compliance: 3.5/10 — 20% of this score
- Governance and institutions: 2.8/10 — 35% of this score
Sanctions treatment: No direct programme identified. FATF treatment: none.
Show the exact calculation
effectiveness 3.3 × 45% + safeguards 3.5 × 20% + governance 2.8 × 35% = 3.2; sanctions and FATF listing are overlays except a labelled FATF listing substitute where no mutual evaluation exists
Principal risk drivers
- AML/CFT effectiveness: 3.3/10 × 45% = 1.5 points
- Governance and institutions: 2.8/10 × 35% = 1.0 points
- Technical compliance: 3.5/10 × 20% = 0.7 points
Mitigating factors
- Not currently on the FATF grey or black list.
- No comprehensive country-wide sanctions programme.
- Comparatively stronger rule of law and institutions (2.6/10).
- Risk is concentrated in specific counterparties, sectors and transactions rather than applying uniformly.
Business impact
- Customer onboarding (Elevated): Verify ultimate beneficial ownership and control from more than one source.
- Payments and transactions (Elevated): Review transaction purpose, counterparties and the full payment routing.
- Trade and export activity (Elevated): Screen goods, end users and potential dual-use exposure.
- Corporate clients (Standard): Assess state ownership, government links and political exposure.
- Ongoing monitoring (Elevated): Alert on ownership changes, new designations and status changes.
Recommended controls
- Verify ultimate beneficial ownership using more than one reliable source.
- Identify state ownership, government influence and politically exposed persons.
- Screen entities, directors and beneficial owners against applicable sanctions lists.
- Apply enhanced review to technology, defence, telecommunications, financial services and dual-use activity.
- Document transaction purpose and source of funds where cross-border structures are complex.
- Escalate unresolved ownership opacity or adverse information to Compliance.
Enhanced due diligence triggers
- State ownership / control
- PEP involvement
- Sensitive / restricted sectors
- Opaque ownership
- Adverse media
- Dual-use goods & technology
- High-risk intermediary routing
FATF status: Not currently listed
United States is not on the FATF grey or black list as of the 19 Jun 2026 plenary.
Source details
International sanctions by issuing body
- UN: No
- EU: No
- UK: No
- US: No
No means the complete UN, UK, EU and US review found no direct country-level programme. People or organisations may still appear on sanctions lists.
Government effectiveness and rule of law (World Bank 2024, percentile)
- Government Effectiveness: 78/100
- Regulatory Quality: 76/100
- Rule of Law: 74/100
Enforcement activity
RegActions has 6 live regulator feeds mapped to United States. Current action totals are loaded from the live evidence API rather than the static registry.
- FINRA — Financial Industry Regulatory Authority (live feed, 2005-2026)
- FDIC — Federal Deposit Insurance Corporation (live feed, 1989-2026)
- OCC — Office of the Comptroller of the Currency (live feed, 1987-2026)
- FRB — Federal Reserve Board (live feed, 1989-2026)
- SEC — U.S. Securities and Exchange Commission (live feed, 2012-2026)
- FINCEN — Financial Crimes Enforcement Network (live feed, 1999-2026)
The composite RegActions Country Risk Score does not use enforcement volume.
Regulators and legal framework
FATF network
FATF member.
Last mutual evaluation: 2016 · report
National regulators
- FINRA — Financial Industry Regulatory Authority (live feed, 2005-2026)
- FDIC — Federal Deposit Insurance Corporation (live feed, 1989-2026)
- OCC — Office of the Comptroller of the Currency (live feed, 1987-2026)
- FRB — Federal Reserve Board (live feed, 1989-2026)
- SEC — U.S. Securities and Exchange Commission (live feed, 2012-2026)
- FINCEN — Financial Crimes Enforcement Network (live feed, 1999-2026)
FIU: Egmont Group member (FinCEN)
Framework signals
- FATF listing: Not currently listed
- International sanctions: no direct country programme identified (legal treatment overlay remains applicable)
- BO register: Restricted (live since 2024)
- Corruption (CPI 2025): 64/100, rank #29 of 182
- Rule of law (WGI): 2.4/10 risk
Regulatory ecosystem and enforcement visibility
This evidence map is separate from Country Risk v3. It describes official mandates, publication access and RegActions coverage; it does not judge regulatory strength or add points to country risk.
Transparency Index: not scored · Evidence disposition: local-authority-evidence · Mapped official authorities: 22.
Evidence level: Level 1: Identity confirmed. The ladder uses the authority evidenceLevel schema directly and does not infer a level from a URL, site access or RegActions feed count.
- 1. Identity confirmed — The authority and its mandate are evidenced by official directory provenance.
- 2. Regulatory activity visible — A qualified authority-owned route has provisional dated activity in the first-page scan.
- 3. Enforcement visible — A qualified authority-owned enforcement route has provisional dated activity in the first-page scan.
- 4. Score eligible — Shown only when the authority evidence schema explicitly records score-eligible; no authority currently does.
How to read activity and enforcement visibility
Only qualified authority-owned routes can support Level 2 or Level 3. External official context and unqualified candidates do not promote the evidence level. Blocked and unavailable sources remain unknown.
Enforcement visibility: No authority is classified enforcement-visible or score-eligible in the authority evidence schema. Enforcement visibility remains unknown or limited to identity/activity evidence; this is not evidence of no enforcement.
Authorities and mandate evidence
Board of Governors of the Federal Reserve System — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank, Prudential supervision, Insurance · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Enforcement Actions and Legal Developments
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Survey of Household Economics and Decisionmaking
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Official authority-owned enforcement route: Enforcement Actions
Authority-owned and approved for the human-reviewed route contract.
Route type: enforcement_archive · Source scope: authority-owned · Qualification: approved-for-human-contract · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Federal Reserve Board issues enforcement action
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Federal Reserve Board requests comment on a proposal to modernize its rule governing the extension of credit to bank "insiders"—bank executives, board members and major shareholders who could potentially influence a bank's lending decisions
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Federal Reserve Board issues enforcement action
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Enforcement Actions and Legal Developments
Commodity Futures Trading Commission — Level 1: Identity confirmed · Official site reachable
Mandates: Securities · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Official authority-owned enforcement route: Check Registration & Disciplinary History
Authority-owned and approved for the human-reviewed route contract.
Route type: disciplinary_notice · Source scope: authority-owned · Qualification: approved-for-human-contract · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Official authority-owned enforcement route: Check Registration & Disciplinary History
Department of Labor — Level 1: Identity confirmed · Official site reachable
Mandates: Pensions · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Privacy & Security Statement
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: news_or_notice · Source scope: authority-owned · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Important Website Notices
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Privacy & Security Statement
Federal Deposit Insurance Corporation DC — Level 1: Identity confirmed · Official site reachable
Mandates: Prudential supervision · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Insurance Office of the United States Department of Treasury (FIO) — Level 1: Identity confirmed · Official site timed out
Mandates: Insurance · Access status: Official site timed out · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: unknown · Latest observed month: unknown.
Source access was limited during this research check, so activity remains unknown. This is not evidence of inactivity.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Activity and enforcement visibility remain unknown; this access limitation does not establish that the authority has no enforcement activity.
Federal Reserve Bank of Atlanta — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of Boston — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of Chicago — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Legal Notices
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: news_or_notice · Source scope: authority-owned · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Legal Notices
Federal Reserve Bank of Cleveland — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Application Filings and Notices
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: news_or_notice · Source scope: authority-owned · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Application Filings and Notices
Federal Reserve Bank of Dallas — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Privacy Notice
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: news_or_notice · Source scope: authority-owned · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Privacy Notice
Federal Reserve Bank of Kansas City — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of Minneapolis — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of New York — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of Philadelphia — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Privacy Notice
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: news_or_notice · Source scope: authority-owned · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Privacy Notice
Federal Reserve Bank of Richmond — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of San Francisco — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Federal Reserve Bank of St Louis — Level 1: Identity confirmed · Official site reachable
Mandates: Central bank · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Become a Member Bank
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Application Filings and Notices
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: news_or_notice · Source scope: authority-owned · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Become a Member Bank
Financial Crimes Enforcement Network (FinCEN) — Level 1: Identity confirmed · Official site timed out
Mandates: Financial intelligence · Access status: Official site timed out · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: unknown · Latest observed month: unknown.
Source access was limited during this research check, so activity remains unknown. This is not evidence of inactivity.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
Activity and enforcement visibility remain unknown; this access limitation does not establish that the authority has no enforcement activity.
National Association of Insurance Commissioners (NAIC) — Level 1: Identity confirmed · Official site reachable
Mandates: Insurance · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
No publication candidate is qualified. Regulatory activity and enforcement visibility remain unknown.
New York State Department of Financial Services — Level 1: Identity confirmed · Official site reachable
Mandates: Prudential supervision · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Official authority-owned enforcement route: Enforcement & Discipline
Authority-owned and approved for the human-reviewed route contract.
Route type: disciplinary_notice · Source scope: authority-owned · Qualification: approved-for-human-contract · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Governor Hochul Announces Department of Financial Services’ Consumer Notice to Holocaust Survivors and Their Families in…
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Official authority-owned enforcement route: Enforcement & Discipline
Office of the Comptroller of the Currency — Level 1: Identity confirmed · Official site reachable
Mandates: Prudential supervision · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Unqualified publication candidate: Enforcement Actions Search
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: enforcement_archive · Source scope: external-unqualified · Qualification: manual-review-required · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Enforcement Actions
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Interpretations & Decisions
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Notification: Statement of Enforcement Policy in Support of Venezuela’s Economic Recovery and Earthquake Relief Efforts
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Enforcement Actions Search
Securities and Exchange Commission — Level 1: Identity confirmed · Official site reachable
Mandates: Securities · Access status: Official site reachable · Research/publication snapshot checked: 2026-08-20
Provisional first-page scan signal
Signal: unknown · Observed month count: 0 · Latest observed month: unknown.
No qualified authority-owned dated route supports an activity signal. This is not evidence of inactivity; blocked, external-context, low-frequency and unvalidated sources remain unknown.
Scan contract and precision
automated-first-page-date-scan · 2024-01 to 2026-08 · as of 2026-08-20 · month precision · first-page-only-unvalidated. This is not a validated engagement frequency.
Publication candidates and qualification
- Official authority-owned enforcement route: Enforcement & Litigation
Authority-owned and approved for the human-reviewed route contract.
Route type: enforcement_archive · Source scope: authority-owned · Qualification: approved-for-human-contract · Provisional scan signal: no-dated-first-page-signal · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Litigation Releases
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Administrative Proceedings
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Administrative Law Judge Orders and Initial Decisions
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Trading Suspensions
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Distributions to Harmed Investors
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Receiverships
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Whistleblowers
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: Read Enforcement News
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Unqualified publication candidate: No FEAR Act Data
Research candidate only; it is not promoted to an official enforcement or regulatory-update route.
Route type: not classified · Source scope: not classified · Qualification: not classified · Provisional scan signal: not-observable · Observed months: 0 · Latest observed month: unknown
- Official authority-owned enforcement route: Enforcement & Litigation
Download regulatory ecosystem PDF · CSV · JSON
Sector exposure
- Banking & payments (Low): No FATF overlay and governance pillar within normal range
- Trade & export controls (Low): No direct sanctions or FATF call-for-action overlay identified
- Crypto & virtual assets (Low): No FATF overlay and effectiveness pillar within normal range
- Real estate & luxury assets (High): BO subscore 6.8/10; CPI context 64/100
- State-linked & procurement (Low): Current risk pillars show no elevated procurement signal
Derived from sanctions tier, FATF listing, World Bank WGI governance and CPI; no per-sector dataset is asserted.
United States: analysis
The United States has strong governance across all four domains. Rule of law (strong) is the best-performing domain, followed by corruption (strong) and voice and accountability (strong). Political stability (moderate) is the relatively weakest domain but still low risk. The CPI reading reinforces the low-corruption assessment. No FATF or sanctions overlay applies. The US sits in the upper tier of the World Bank governance indicators. Enforcement activity is extensive, with 11,481 tracked actions across OCC, FINRA, SEC and FinCEN, reflecting a mature and assertive supervisory culture.
Outlook
The United States is expected to maintain its low-risk standing. The primary forward risk relates to the pace and direction of regulatory change and the continued effectiveness of enforcement. Political stability, while the comparatively weakest governance domain, does not materially alter the low-risk assessment. Firms should track regulatory developments and enforcement priorities across the four active regulators.
Key watchpoints
- Regulatory and legislative changes affecting AML, sanctions and securities frameworks.
- Enforcement trends across OCC, FINRA, SEC and FinCEN, particularly in AML and sanctions compliance.
- Political developments affecting the independence and resourcing of financial regulators.
- Changes in CPI or WGI scores, though any deterioration from current strong levels would be significant.
Assessment currency
- FATF status: Not listed (as of 19 Jun 2026)
- Sanctions exposure: None identified (as of Jul 2026)
- Governance (WGI): Latest dataset incorporated (as of 2024)
- Corruption (CPI): 64/100 (as of 2025)
- RegActions assessment: Reviewed (as of 19 Jun 2026)
Public evidence layer
FATF action: none. No FATF call-for-action or increased-monitoring status was identified at the latest plenary. This does not establish low risk.
Contextual signals (not scored)
- FATF network membership: Direct FATF member (present, as of 2026-07)
- EU non-cooperative tax jurisdictions: Not listed in Annex I (absent, as of 2026-02-17)
- Egmont Group FIU: FinCEN (present, as of 2026-07-17)
- Beneficial-ownership register: Restricted (live since 2024) (present, as of 2026-08-23)
- Transparency International CPI: 64/100, rank 29 (present, as of 2025)
Evidence freshness
- FATF monitored-jurisdiction status: current; data 2026-06-19
- FATF mutual evaluation and follow-up ratings: current; data 2026-08-24; follow-up 2024-03; base assessment 2016-12
- World Bank governance indicators: current; data 2024
- UN, UK, EU and US sanctions regimes: current; data 2026-08-30
Contextual signals are public evidence only and do not change the current country-risk score.
Download evidence PDF · CSV · JSON
Contextual risk evidence (not scored)
These eight evidence families provide context only. They do not change the v3.1 headline score. Unavailable means no reviewed, country-comparable evidence is currently ingested; it does not mean the risk is absent.
- Organised crime: Not available. No reviewed country-level organised-crime dataset is currently checked in; no risk value is inferred. Candidate sources are research leads only; they have not been ingested as evidence.
- Fraud and cybercrime: Not available. No reviewed country-level fraud or cybercrime dataset is currently checked in; no risk value is inferred. Candidate sources are research leads only; they have not been ingested as evidence.
- Terrorism and proliferation financing: Not available. No reviewed country-comparable terrorism/proliferation threat dataset is currently checked in; FATF listing status remains a separate overlay. Candidate sources are research leads only; they have not been ingested as evidence.
- Trafficking: Not available. No reviewed country-level trafficking dataset is currently checked in; no risk value is inferred. Candidate sources are research leads only; they have not been ingested as evidence.
- Financial secrecy and offshore exposure: Not available. No reviewed, licence-clean financial-secrecy index is currently checked in; jurisdiction type alone is not used as a proxy. Candidate sources are research leads only; they have not been ingested as evidence.
- Tax cooperation: Not listed in EU Annex I. Annex I is a political/legal tax-cooperation list, not a general AML, corruption, or country-risk score. Source
- Political stability and conflict: 64/100 WGI percentile. WGI is an institutional perception indicator, not a conflict event feed or a prediction of future violence. Source
- Beneficial ownership: Register accessible for due diligence. The Open Ownership map is a live-register snapshot and absence means no register was identified in that snapshot, not that no register exists. Source
Regional peer scores
- Venezuela: 8.3/10 (Very high)
- Haiti: 8.1/10 (Very high)
- Suriname: 7.1/10 (Very high)
- Nicaragua: 6.2/10 (High)
- Saint Lucia: 5.9/10 (High)
- Grenada: 5.8/10 (High)
FAQ
Is United States on the FATF grey list?
No. United States is not on the FATF grey or black list as of the 19 Jun 2026 plenary. FATF listing is one AML indicator; absence from the list does not by itself make United States low risk. The next FATF plenary review is scheduled for Oct 2026.
Is United States subject to sanctions?
No country-level programme was identified. In the approved RegActions snapshot, no comprehensive or targeted country-wide sanctions programme was found for United States, but individual listed persons may still exist, so firms should continue to screen counterparties against the applicable lists.
What is United States's country risk rating?
RegActions rates United States at 3.2/10 (Moderate risk), where a higher score means higher country risk. The v3 score combines AML/CFT effectiveness, technical compliance, and governance and institutions. FATF listing and sanctions are shown as overlays and do not add points. Transparency International's 2025 Corruption Perceptions Index scores United States 64/100 (rank #29 of 182) as context only.
What due diligence applies to United States?
Standard due diligence for most relationships, with enhanced checks where defined risk triggers are present. This is decision-support based on United States's FATF status, governance and sanctions signals, and is not a substitute for a firm's own risk assessment.
How much enforcement activity is tracked for United States?
RegActions has live enforcement coverage from 6 regulators in United States. The current action total is loaded from the source-linked evidence view rather than this country-risk snapshot. Enforcement volume measures regulator activity, not country risk, so it is shown as evidence but never fed into the RegActions Country Risk Score.
Source: FATF black & grey lists · World Bank WGI (CC BY 4.0 — World Bank WGI) · TI CPI (CC BY-ND 4.0 — Transparency International, display only)