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The 314(b) Cross-Bank Financial Crimes Watch List is a list shared across participating banks, beyond a single sponsor-bank network, for suspected financial-crimes activity. It answers a narrow question (has a participating bank reported suspected financial-crimes activity for this consumer?) and returns a listing indicator plus the details of the most recent report. It never issues a reusable certificate. Unlike the Bank-Specific Bad Actor List, this list is designed to be offered in a network shared by several banks, so activity reported by one participating bank is visible to the others in that network. Reports are contributed by participating banks through the furnishing pipeline; there is no /furnish endpoint for this product.
Participation in the watch list is intended for financial institutions that have filed a 314(b) notice with FinCEN. Each participant is responsible for its own regulatory obligations, including how it shares, uses, and acts on the information.

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At a glance

A clean result is "is_listed": false (always 200 OK, never 204). When any report for the consumer is visible in the queried networks, is_listed is true and the detail fields describe the most recent report: who reported it, the event date, the category (money_laundering, terrorist_financing, or fraud), and the signal level (high, medium, or low).

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Identifying the subject

The subject is identified only by your consent (consent_id) or a direct consumer_identity_id. You don’t send SSN, date of birth, or other identifying attributes on the query.
A listing reflects what a participating bank reported. It is a screening input, not a determination. Route hits to your compliance review process; decisions based on a listing are your institution’s.

Full field reference

The screening lists deep dive: request fields, response fields, and how the most recent report is chosen.

Products

The full product catalog.

Bank-Specific Bad Actor List

The sponsor-bank-scoped counterpart.