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The 314(b) Cross-Bank Financial Crimes Watch List is a cross-bank shared consortium that extends beyond one sponsor-bank network and focuses on sharing suspicious financial-crimes activity. It is governed by banks as defined by 31 CFR 1020.100(d), under 314(b) permissible purpose. It answers — is this consumer associated with suspicious financial-crimes activity reported across participating banks? — returning a listing indicator plus a small set of context fields. It never issues a reusable certificate. Unlike the Bank-Specific Bad Actor List, this list is cross-bank by design: it exists so that suspicious financial-crimes activity observed at one bank is visible to the others, under the 314(b) information-sharing framework. The events behind it are contributed by network participants through governed furnishing flows.

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At a glance

A clean result is "is_listed": false (always 200 OK, never 204). When the consumer is listed, the context fields — including a placement date and the entity_level_adverse_action_eligible_indicator — are populated.

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Matching & fields

Subjects are matched on the consumer identity behind your consent record. SSN and date of birth are mandatory match inputs; name, phone, and email refine the match. Event categories include money_laundering, terrorist_financing, and fraud; signal levels are high, medium, or low. A network’s querying policy can restrict which categories and signal levels a query considers — for example, only high-signal events.
Watch-list signals are screening inputs, not adjudications. Whether a listing can support adverse action depends on your program’s compliance framework — this list operates under 314(b) permissible purpose, and the entity_level_adverse_action_eligible_indicator exists precisely because not every signal qualifies. Route hits to your compliance review process.

Full field reference & matching rules

The screening lists deep dive — match inputs, per-list event fields, and compliance posture.

Products

The full product catalog.

Bank-Specific Bad Actor List

The sponsor-bank-scoped counterpart.