---
title: Reforming AML/CFT Programs
description: FinCEN's Proposed Rule aims to reform AML/CFT programs, shifting focus from paperwork to risk mitigation and enhancing enforcement through AI.
---

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# [Reforming AML/CFT Programs](https://blog.bankerscompliance.com/en/reforming-aml/cft-programs)

 Written by [Emily Riley](https://blog.bankerscompliance.com/en/author/emily-riley) | Apr 29, 2026 6:06:48 PM

In case you missed it, FinCEN recently issued a [Proposed Rule](https://www.fincen.gov/news/news-releases/fincen-proposes-rule-fundamentally-reform-financial-institution-programs) to “Fundamentally Reform Financial Institution Programs Designed to Fight Illicit Finance”. This replaces the previously issued proposed rule; however, it does still incorporate many of the requirements of the 2020 AML/CFT Reform Act. The big takeaway is that this proposal is looking to place less focus on paperwork and box checking and more focus on mitigating higher-risk areas. It’s also addressed artificial intelligence and FinCEN’s plan to take a more active role in enforcement.

Emily gave a quick overview of this Proposed Rule in our April Monthly Connection. Here’s what she had to say.

[ Monthly Connection! ](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLL1sPZRqQWStVIDWRF8RRQ%2F%2BZ6RRZ%2BN6Eaxl37L9XBtB2MrowtZM71orGgcVxjd0ZW1pe7o5BSXu6JejW6EvPkl51XKqx21hHMP6IeGyl7rEo5jfGLzj9CdmmfgbHOBdO4KamOBko1zBAmM6gogl9opdb5WN6tIzEOKg9oHb9PDh7dc29XIZ6cw0xS4KwmVsCbvFiCbCQ%3D%3D&portalId=21201105)

Published 2026/04/29

[View full post](https://blog.bankerscompliance.com/en/reforming-aml/cft-programs)

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