# 2026-10400: Trump Order Targets Illegal Money Moves in Banking

2026-10400, Restoring Integrity to America's Financial System, is a Federal Register presidential document from Executive Office of the President published 2026-05-22, effective 2026-05-19; PRIA reads it as touching household money (as of 2026-11-04).

- Canonical: https://policyrisk.com/federal-register/2026-10400
- As of: 2026-11-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-10400
- Title: Restoring Integrity to America's Financial System
- Type: Presidential Document
- Agencies: Executive Office of the President
- Citation: 91 FR 30479
- Published: 2026-05-22
- Effective: 2026-05-19
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-11-04

## In one line

Trump Order Targets Illegal Money Moves in Banking

## Summary

This order makes sure banks and financial companies keep America safe by stopping illegal money moves and risky loans, especially involving people here without legal permission. It cracks down on shady cross-border transfers linked to crime and requires stronger ID checks starting now. These changes protect our money system and could affect how loans and services are given, helping keep our economy strong and secure.

## Effects PRIA read

- Treasury advisory listing red flags: mixed, medium. Within 60 days of May 19, 2026, the Secretary of the Treasury must issue an advisory to financial institutions listing specific red flags and suspicious-activity typologies. The advisory will cover items such as payroll tax evasion patterns, use of foreign identity documents or nominee accounts, un…
- Stronger customer due diligence rules proposed: cost, medium. Within 90 days of May 19, 2026, the Secretary of the Treasury, consulting with federal financial regulators, must propose changes to Bank Secrecy Act implementing regulations to strengthen risk-based customer due diligence. Proposed changes would require institutions to collect and verify enough id…
- Review of ID program rules for consular cards: cost, low. Within 180 days of May 19, 2026, the Secretary of the Treasury and the federal banking regulators shall consider changes to Bank Secrecy Act customer identification program rules to address risks posed by foreign consular identification cards. Regulators are to account for those risks when consider…
- Ability-to-repay may include deportation risk: cost, medium. Within 60 days of May 19, 2026, the Consumer Financial Protection Bureau shall consider clarifying that potential deportation and loss of wages may be factors that adversely affect a non-work-authorized borrower's ability to repay under the ability-to-repay rules in 12 CFR Part 1026. Lenders may co…
- Regulators to issue credit-risk guidance: cost, medium. Within 60 days of May 19, 2026, each appropriate Federal functional financial regulator must issue guidance on managing potential credit risks posed by the non-work-authorized population. This guidance is intended to inform how supervised lenders identify and manage those risks.

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## Sources
- [2026-10400 on federalregister.gov](https://www.federalregister.gov/documents/2026/05/22/2026-10400/restoring-integrity-to-americas-financial-system)
- [2026-10400 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-05-22/pdf/2026-10400.pdf)

## Related
- [Previous: 2026-10399, Integrating Financial Technology Innovation Into Regulatory Frameworks](https://policyrisk.com/federal-register/2026-10399)
- [Next: 2026-10481, Continuation of the National Emergency With Respect to Belarus](https://policyrisk.com/federal-register/2026-10481)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-10400 (as of 2026-11-04).