Whistleblower Incentives and Protections (Notice of proposed rulemaking), 91 FR 16328

FinCEN Notice of Proposed Rulemaking "Whistleblower Incentives and Protections", 91 FR 16328 (1 Apr 2026, 59 pp.): background and statutes (AML Act 2020, AML Whistleblower Improvement Act 2022), section-by-section analysis of proposed 31 CFR 1010.930 (definitions, $1 million covered-action threshold, submission rules, eligibility, permanent bars, award applications and deadlines, 10-30% awards, $15 million maximum-award presumption, related actions and other programmes, determinations, confidentiality, appeals, anti-retaliation), requests for comment, regulatory analysis (baseline: 87 original tips a year 2021-2024; Table 3 tips and award applications by year 2021-2025; Table 4 tip lifecycle; 20% of tips also sent to other agencies; tips since May 2021; Tables 1-2 and 5-6 populations of financial institutions and industries and small-entity shares - out of scope; government costs $1.8 million then $1.6 million a year; CBO estimates), RFA, UMRA, PRA (expected 400 Form TCRs and 15 Form WB-APPs a year; Tables 9-24 on form fields, completion time and cost burden - compliance burden, out of scope), proposed rule text and draft Forms TCR and WB-APP. Already in the data: Table 3 by year (22 rows incl. one Table 4 cell), 2 proposed rules, 3 events. Added: Table 4 (other cells and total), Table 3 applications total, text shares (61%, 3%, 20%), PRA forecasts, operating-cost estimates, 9 proposed rules, 1 event; new indicators tip_share, supplemental_tips_per_tip and programme_operating_cost.