Independence Bank

EAST GREENWICH, RI 2023 Community Banks / Credit Unions
FDIC Civil Money Penalty Removal Prohibition Restitution Order
Penalty
$928,000

Outcome

Notice of Intention to Remove from Office and Prohibit from Further Participation, Notice of Charges for an Order for Restitution, Notice of Assessment of Civil Money Penalties, Findings of Fact and Conclusions of Law, Orders to Pay, Notice of Hearing

Details

Independence Bank — FDIC Enforcement (2023)

Outcome: Notice of Intention to Remove from Office and Prohibit from Further Participation, Notice of Charges for an Order for Restitution, Notice of Assessment of Civil Money Penalties, Findings of Fact and Conclusions of Law, Orders to Pay, Notice of Hearing

Docket: FDIC-22-0112e, FDIC-22-0113k, FDIC-22-0107e, FDIC-22-0108k, FDIC-22-0109e, FDIC-22-0110k, FDIC-22-0143b | Issued: 2023-02-10

How Crucible Prevents This

Crucible's banking compliance controls enforce regulatory requirements and flag violations before they escalate to civil money penalties. Crucible's personnel compliance controls enforce background check requirements and monitor for prohibited activities by institution-affiliated parties. The restitution component demonstrates direct consumer harm that proactive compliance monitoring would have prevented.

Source: FDIC ED&O — FDIC-22-0112e, FDIC-22-0113k, FDIC-22-0107e, FDIC-22-0108k, FDIC-22-0109e, FDIC-22-0110k, FDIC-22-0143b

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