Business

Capital One and Trump Organization: Inside the AML Lawsuit

Capital One closed more than 300 Trump-affiliated accounts in 2021. The Trump Organization sued in March 2025 alleging political animus. A federal judge dismis…

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BANK SECRECY ACT

The Bank Secrecy Act Establishes the Modern AML Framework

The Bank Secrecy Act, enacted in 1970, is the foundational US anti-money-laundering statute, requiring financial institutions to keep records and file reports useful in…

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MONEY LAUNDERING CRIMINALIZ…

The Money Laundering Control Act Criminalizes Money Laundering

The Money Laundering Control Act of 1986 made money laundering a distinct federal crime for the first time, giving prosecutors a direct charge rather than relying solely…

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PATRIOT ACT

The USA PATRIOT Act Expands AML and KYC Obligations

Enacted after the September 11 attacks, the USA PATRIOT Act significantly broadened US financial institutions' AML and customer-identification obligations, including inf…

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FINCEN PENALTY

Capital One Pays a Separate $390 Million FinCEN Penalty

About two months before the Trump-account notifications, Capital One was fined roughly $390 million by FinCEN for failures in its Bank Secrecy Act/AML compliance program…

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ACCOUNTS CLOSED

Capital One Notifies and Closes the Accounts

Capital One notified Trump-affiliated entities on March 8, 2021 that accounts they controlled, benefited from, or actively used would be closed; the closures took effect…

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LAWSUIT FILED

The Trump Organization Sues Capital One

The Trump Organization filed suit in the US District Court for the Southern District of Florida, alleging Capital One closed hundreds of its business accounts out of pol…

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DISMISSED WITHOUT PREJUDICE

Judge Altman Dismisses the Original Complaint

US District Judge Roy Altman ruled the original complaint "deficient for numerous reasons" and lacking specificity, but found the Trump Organization had done "just enoug…

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NEW MOTION TO DISMISS

Capital One Cites an AML Review in a New Motion to Dismiss

Following the Trump Organization's amended complaint, Capital One filed a motion to dismiss stating the accounts were closed after "months of analysis and a careful revi…

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