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Tuesday, September 8, 2026

Author

Petra Vogel

Features Editor

Petra Vogel covers Procurement, Shipbuilding and Security.

Articles by Petra Vogel

A document icon with a circular 30/60-day countdown dial overlaid, evoking a regulatory filing clock rather than a literal bank or currency image, in 3G Ti.

FinCEN's SAR Rule Explained: The 30-Day Deadline, the $5,000 Threshold, and What Changed in 2025

Petra Vogel

Document folders and a closed laptop on a marble surface beside a wall clock

What NYDFS Part 500 Requires After the 2023 Amendments: 72-Hour Reporting and the 2025 Deadlines

Petra Vogel

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Micro-Disclosure Evidence: Proving What the App Actually Showed, Screen by Screen

Petra Vogel

Customer speaking to a banking app while an agent reviews transcripts nearby

Conversational and Voice Interfaces in Banking Apps: UDAAP Lessons From the Chatbot Era

Petra Vogel

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ECOA Adverse Action Notices When AI Influences Credit Decisions: Circular 2022-03 in Practice

Petra Vogel

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OFAC's 50 Percent Rule: Ownership Screening for Shell Structures in Payment Chains

Petra Vogel

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Alternative App Distribution After Epic and the DMA: What Fintech Distribution Maps Look Like Now

Petra Vogel

Customer confirming an electronic consent step with a bank agent observing

The E-SIGN Act and Digital Account Opening: What Constitutes Valid Consumer Consent

Petra Vogel

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App Update Lifecycles in Regulated Finance: Deprecated Versions, Forced Updates, and the Duty to Keep Current

Petra Vogel

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Off-Channel Communications After $2 Billion in SEC Settlements: Records Discipline That Actually Holds

Petra Vogel

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The Mobile SDK Supply Chain: Security Governance for the Code Your Finance App Didn't Write

Petra Vogel

Close-up of a consumer banking app dispute screen on a held smartphone

Regulation E Error Resolution for Fraudulent Transfers: Clocks, Provisional Credit, and P2P Disputes

Petra Vogel

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Embedded Finance in Consumer Apps: BNPL Buttons, Compliance Ownership, and the Partner Model

Petra Vogel

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Who the FTC Safeguards Rule Covers, and When Its Incident-Notification Requirement Triggers

Petra Vogel

Screen reader user testing a banking app with headphones at a desk

Banking App Accessibility: ADA Exposure, WCAG as the De Facto Standard, and the Program That Answers It

Petra Vogel

Bank compliance officers grading a risk matrix on a glass wall

How to Document a Compliance Risk Assessment That Survives an OCC Examination

Petra Vogel

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OS Privacy Architectures and Finance Apps: What ATT, Photo Pickers, and Permission Redesigns Change

Petra Vogel

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The BSA Travel Rule at $3,000: What Virtual-Asset Transfers Must Exchange, and Since When

Petra Vogel

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In-App Disclosure Architecture and Dark Patterns: Designing UDAAP-Proof Consumer Journeys

Petra Vogel

Macro shot of a smartphone showing balanced chart graphics on a desk

SEC Marketing Rule Compliance for Robo-Advisers: Performance Ads, Testimonials, and App-Store Ratings

Petra Vogel

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App-Store Review Guidelines for Regulated Finance Features: Compliance When the Platform Is a Regulator Too

Petra Vogel

Four-stage model risk management lifecycle diagram with risk tier color scale

How SR 11-7 Applies to AI Credit Models: Building a Compliant Model Risk Management Program

Petra Vogel