{
 "jurisdiction_id": "US-LA",
 "jurisdiction": "United States – Louisiana",
 "url": "https://payments.gi/jurisdictions/united-states-louisiana/",
 "generator": "render_jid v13.3.0",
 "date_modified": "2026-08-11",
 "schema_version": "world-payments-v1",
 "counts": {
  "modules": 14,
  "sourced_findings": 62,
  "source_register": 164
 },
 "modules": [
  {
   "code": "W1a",
   "name": "Licensing, Authorisation & Market Access",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w1a-licensing-authorisation-market-access",
   "standing_position": "Louisiana replaced its 1966 Sale of Checks and Money Transmission Act with the Louisiana Money Transmission Act (HB1230/Act 888), effective July 1, 2026, adopting the CSBS Model Money Transmission Modernization Act and moving licensing/supervision to NMLS under the Louisiana Office of Financial Institutions.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute/regulator guidance",
     "source": "https://ofi.la.gov/non-depository/money-orders-transmitters/",
     "source_url": "https://ofi.la.gov/non-depository/money-orders-transmitters/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://cornerstonelicensing.com/money-transmitter-laws/louisiana-money-transmitter-regulations/",
     "source_url": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (pending/horizon)",
     "source": "https://www.mondaq.com/unitedstates/financial-services/1808274/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_url": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (pending/horizon)",
     "source": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_url": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_url": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "application/investigation requirement",
     "source": "https://www.suretybonds.com/states/louisiana/money-transmitter-bond",
     "source_url": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W1b",
   "name": "Conduct, Safeguarding & Financial Promotions",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w1b-conduct-safeguarding-financial-promotions",
   "standing_position": "Louisiana's conduct/safeguarding regime for payments rests on trust-fund treatment of transmitted proceeds under the Sale of Checks and Money Transmission Act, a statutory 10-business-day transmission/return obligation, an explicit anti-forfeiture protection for consumer funds seized under onerous user agreements, and the general Louisiana Unfair Trade Practices and Consumer Protection Law (LUTPA) as the backstop conduct standard, enforced concurrently by OFI and the Attorney General.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_url": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://codes.findlaw.com/la/revised-statutes/la-rev-stat-tit-6-sect-1055/",
     "source_url": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://codes.findlaw.com/la/revised-statutes/la-rev-stat-tit-6-sect-1055/",
     "source_url": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://legis.la.gov/Legis/Law.aspx?d=104025",
     "source_url": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator guidance",
     "source": "https://ag.louisiana.gov/Division/PublicProtection",
     "source_url": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (pending/horizon)",
     "source": "https://www.mondaq.com/unitedstates/financial-services/1808274/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_url": "https://ofi.la.gov/ofi-docs/SaleOfChecksMoneyTransmittersStatutes.pdf",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W2",
   "name": "Stablecoins & Digital Money",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w2-stablecoins-digital-money",
   "standing_position": "Louisiana operates a stand-alone virtual currency licensing regime under the Virtual Currency Business Act (VCBA, Act 341 of 2020, as amended by Act 331 of 2023), the second such state-level regime in the US after New York's BitLicense and the first based on the Uniform Law Commission's URVCBA. OFI began accepting applications via NMLS from January 2023, with the regime fully effective July 1, 2023, and further expanded in 2025 to cover virtual-currency kiosks.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_url": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_url": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute/rule",
     "source": "https://www.cooley.com/news/insight/2022/2022-11-21-louisianas-virtual-currency-licensing-law-taking-effect-finally",
     "source_url": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://natlawreview.com/article/louisiana-serves-new-virtual-currency-business-law-cajun-style",
     "source_url": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://ofi.la.gov/messages/virtual-currency-businesses-act-2023-legislation/",
     "source_url": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.hunton.com/blockchain-legal-resource/louisiana-adopts-virtual-currency-business-act",
     "source_url": "https://ofi.la.gov/non-depository/virtual-currency-business-activity/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W3",
   "name": "Operational Resilience & Critical Infrastructure",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w3-operational-resilience-critical-infrastructure",
   "standing_position": "Louisiana does not maintain a bespoke state-level operational-resilience regime for payments firms; resilience obligations flow chiefly from the federal Gramm-Leach-Bliley Act (GLBA) Safeguards Rule applicable to money transmitters as \"financial institutions,\" layered with Louisiana's own Database Security Breach Notification Law requiring notification to affected individuals and the Attorney General within specific timeframes.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.dwt.com/gcp/states/louisiana",
     "source_url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://pivitstrategy.com/louisiana-cybersecurity-laws-you-should-know-2026/",
     "source_url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "federal rule",
     "source": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act",
     "source_url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "federal rule",
     "source": "https://cdp.cooley.com/ftc-adds-new-data-breach-reporting-obligations-under-safeguards-rule/",
     "source_url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "federal rule",
     "source": "https://natlawreview.com/article/think-you-are-not-subject-gramm-leach-bliley-act-because-you-are-not-financial",
     "source_url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W4",
   "name": "Scheme & Network Compliance",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w4-scheme-network-compliance",
   "standing_position": "Louisiana permits credit-card surcharging (subject to the federal 4%/3%-Visa cap and card-network rules). Debit-card surcharging, barred under Visa/Mastercard network rules and the federal Dodd-Frank prohibition, is now also directly codified in Louisiana law: SB254 was signed into law by Governor Landry on June 2, 2026 as Act 751, prohibiting retail debit-card surcharges effective August 1, 2026, with civil penalties up to $500 per incident enforceable by the Attorney General. The state itself continues to impose convenience fees for card payment of taxes.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.nickel.com/surcharge-laws/louisiana",
     "source_url": "https://www.nickel.com/surcharge-laws/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "bill (pending)",
     "source": "https://www.kplctv.com/2026/04/01/that-extra-charge-your-receipt-could-be-illegal-louisiana-bill-targets-illegal-debit-card-fees/",
     "source_url": "https://www.consumerfinancialserviceslawmonitor.com/2026/06/louisiana-enacts-debit-card-surcharge-prohibition/",
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1351321",
     "source_url": "https://www.consumerfinancialserviceslawmonitor.com/2026/06/louisiana-enacts-debit-card-surcharge-prohibition/",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "state practice",
     "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/credit-card-surcharge-laws-by-state/",
     "source_url": "https://www.consumerfinancialserviceslawmonitor.com/2026/06/louisiana-enacts-debit-card-surcharge-prohibition/",
     "source_tier": "3",
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W5",
   "name": "Payment Corridor Dynamics",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w5-payment-corridor-dynamics",
   "standing_position": "Louisiana sits within the broader US-to-Latin America/Caribbean (US-LAC) remittance corridor, which carried roughly $170 billion in 2024 (about 80% originating from the US), served by MTOs such as Western Union, MoneyGram, Viamericas, and Remitly; instant-payments infrastructure (Fed's FedNow) is spreading through Louisiana community banks and credit unions as a domestic real-time rail underpinning both retail and cross-border payment innovation.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "market data",
     "source": "https://thedialogue.org/blogs/2025/04/the-state-of-the-remittance-industry-and-an-outlook-for-2025",
     "source_url": "https://thedialogue.org/blogs/2025/04/the-state-of-the-remittance-industry-and-an-outlook-for-2025",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market data",
     "source": "https://www.sharemoney.com/us/en/state/louisiana",
     "source_url": "https://thedialogue.org/blogs/2025/04/the-state-of-the-remittance-industry-and-an-outlook-for-2025",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "infrastructure adoption",
     "source": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow",
     "source_url": "https://thedialogue.org/blogs/2025/04/the-state-of-the-remittance-industry-and-an-outlook-for-2025",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market practice",
     "source": "https://www.felixpago.com/en/guides/money-transfers",
     "source_url": "https://thedialogue.org/blogs/2025/04/the-state-of-the-remittance-industry-and-an-outlook-for-2025",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W6",
   "name": "Industry Structure & Commercial Dynamics",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w6-industry-structure-commercial-dynamics",
   "standing_position": "Louisiana's payments-adjacent industry structure is anchored by a dense community/regional bank sector (Hancock Whitney, Gulf Coast Bank & Trust, b1BANK, Home Bank-type institutions) undergoing active in-state consolidation, alongside a small but notable New Orleans/Baton Rouge fintech cluster (B2B payments network Baton/TreviPay, consumer-lending fintech Republic Finance, merchant-services providers) rather than large national payments-scheme headquarters presence.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_url": "https://ofi.la.gov/depository/banks/active-banks-directory/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://www.cbinsights.com/company/baton-financial",
     "source_url": "https://ofi.la.gov/depository/banks/active-banks-directory/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://builtin.com/companies/location/new-orleans/type/fintech-companies",
     "source_url": "https://ofi.la.gov/depository/banks/active-banks-directory/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator register",
     "source": "https://ofi.la.gov/depository/banks/active-banks-directory/",
     "source_url": "https://ofi.la.gov/depository/banks/active-banks-directory/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W7",
   "name": "Legal & Litigation",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w7-legal-litigation",
   "standing_position": "Louisiana payments-adjacent litigation runs chiefly through LUTPA's private right of action and Attorney General enforcement track, supplemented by federal consumer class actions reaching Louisiana account-holders (e.g., the Capital One 360 Savings settlement) and the state's criminal bank-fraud statute; the incoming Louisiana Money Transmission Act (effective July 1, 2026) materially expands the commissioner's civil enforcement toolkit against unlicensed and non-compliant money transmission activity.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "litigation/settlement",
     "source": "https://973thedawg.com/capital-one-lawsuit-settlement/",
     "source_url": "https://legis.la.gov/Legis/Law.aspx?d=104025",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://legalclarity.org/louisiana-consumer-protection-laws-key-provisions-and-practices/",
     "source_url": "https://legis.la.gov/Legis/Law.aspx?d=104025",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://codes.findlaw.com/la/revised-statutes/la-rev-stat-tit-14-sect-71-1/",
     "source_url": "https://legis.la.gov/Legis/Law.aspx?d=104025",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (pending/horizon)",
     "source": "https://www.sheppard.com/insights/blogs/louisiana-enacts-comprehensive-money-transmission-law-mirroring-laws-in-other-states",
     "source_url": "https://legis.la.gov/Legis/Law.aspx?d=104025",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W8",
   "name": "Merchant Acquiring & Risk",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w8-merchant-acquiring-risk",
   "standing_position": "Merchant acquiring in Louisiana operates under the general federal/card-network interchange and surcharge framework rather than a bespoke state acquiring regime; local acquiring is served by a mix of national ISOs/PSPs and Louisiana-based merchant-services providers, with the state's own permissive surcharge stance (up to 4%/3%-Visa) shaping small-merchant risk and pricing practice.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "merchant practice",
     "source": "https://www.getflexpoint.com/credit-card-surcharging-us-states/louisiana",
     "source_url": "https://www.getflexpoint.com/credit-card-surcharging-us-states/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market practice",
     "source": "https://www.valuedmerchants.com/louisiana-merchant-services",
     "source_url": "https://www.getflexpoint.com/credit-card-surcharging-us-states/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market practice",
     "source": "https://www.inven.ai/company-lists/top-25-fintech-companies-in-louisiana",
     "source_url": "https://www.getflexpoint.com/credit-card-surcharging-us-states/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W9",
   "name": "Product Innovation & Market Development",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w9-product-innovation-market-development",
   "standing_position": "Product innovation in Louisiana payments is led by community-bank instant-payments adoption via the Federal Reserve's FedNow Service and B2B invoice-payments network technology developed in-state (Baton/TreviPay); Louisiana does not run its own sandbox, open-banking mandate, or CBDC pilot, relying entirely on federal-level infrastructure (FedNow, open-banking rulemaking) for innovation vectors.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "infrastructure adoption",
     "source": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow",
     "source_url": "https://www.frbservices.org/news/fed360/issues/071625/fednow-service-two-years-growth-innovation",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "infrastructure adoption",
     "source": "https://www.independentbanker.org/w/5-ways-community-banks-can-take-advantage-of-fednow",
     "source_url": "https://www.frbservices.org/news/fed360/issues/071625/fednow-service-two-years-growth-innovation",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "infrastructure adoption",
     "source": "https://www.frbservices.org/news/fed360/issues/071625/fednow-service-two-years-growth-innovation",
     "source_url": "https://www.frbservices.org/news/fed360/issues/071625/fednow-service-two-years-growth-innovation",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "product/platform",
     "source": "https://www.trevipay.com/resource-center/blog/trevipay-announces-acquisition-of-baton-financial-services-inc/",
     "source_url": "https://www.frbservices.org/news/fed360/issues/071625/fednow-service-two-years-growth-innovation",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W10",
   "name": "Consumer Protection & APP Fraud",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w10-consumer-protection-app-fraud",
   "standing_position": "Louisiana has no PSR-style mandatory authorized-push-payment (APP) fraud reimbursement regime (a UK-specific construct not present in the US federal or Louisiana state frameworks); consumer protection instead relies on LUTPA's private right of action and AG enforcement, the criminal bank-fraud restitution statute, DOJ-led elder-fraud/imposter-scam alerts specific to Louisiana's federal districts, and emerging 2026 state legislative activity targeting illegal debit-card surcharge fees.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://legalclarity.org/louisiana-consumer-protection-laws-key-provisions-and-practices/",
     "source_url": "https://www.justice.gov/usao-mdla/pr/middle-district-louisiana-raises-awareness-government-imposter-scams",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator guidance",
     "source": "https://www.justice.gov/usao-mdla/pr/middle-district-louisiana-raises-awareness-government-imposter-scams",
     "source_url": "https://www.justice.gov/usao-mdla/pr/middle-district-louisiana-raises-awareness-government-imposter-scams",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator guidance",
     "source": "https://www.justice.gov/usao-wdla/pr/fraud-alert-scammers-claiming-be-department-justice-and-preying-elderly",
     "source_url": "https://www.justice.gov/usao-mdla/pr/middle-district-louisiana-raises-awareness-government-imposter-scams",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://codes.findlaw.com/la/revised-statutes/la-rev-stat-tit-14-sect-71-1/",
     "source_url": "https://www.justice.gov/usao-mdla/pr/middle-district-louisiana-raises-awareness-government-imposter-scams",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "bill (pending)",
     "source": "https://www.kplctv.com/2026/04/01/that-extra-charge-your-receipt-could-be-illegal-louisiana-bill-targets-illegal-debit-card-fees/",
     "source_url": "https://www.justice.gov/usao-mdla/pr/middle-district-louisiana-raises-awareness-government-imposter-scams",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W11",
   "name": "AML/CFT & Financial Crime",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w11-aml-cft-financial-crime",
   "standing_position": "A dedicated Sentinel.gi payments-context AML/CFT position for US-LA was not retrievable within this collection run; this module is populated with the federal Bank Secrecy Act (BSA)/FinCEN posture that governs Louisiana-licensed money transmitters and virtual-currency businesses as the available proxy baseline, pending a direct Sentinel.gi feed pull in a subsequent run.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "federal regulator guidance",
     "source": "sentinel.proxy://www.fdic.gov/banker-resource-center/anti-money-laundering-countering-financing-terrorism-amlcft",
     "source_url": null,
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": "Louisiana AML/CTF sits inside the federal BSA/AML framework administered by FinCEN/OFAC, with the state Office of Financial Institutions (OFI) supervising state-chartered banks, money transmitters and sharing OFAC compliance information under a standing MOU. Louisiana has no independent state beneficial-ownership registry; federal CTA reporting for domestic entities was suspended in March 2025.",
     "instrument_type": "assessment",
     "source": "FIM (sentinel.gi) per-JID baseline profile — United States — Louisiana",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    },
    {
     "finding": "Gap: sourcing-thinness",
     "instrument_type": "gap",
     "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    },
    {
     "finding": "Gap: regulatory-failure",
     "instrument_type": "gap",
     "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002)",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W12",
   "name": "Correspondent Banking, Settlement & Access",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w12-correspondent-banking-settlement-access",
   "standing_position": "Louisiana's payments-settlement access runs through the standard US federal rails (Fedwire, FedNow, ACH) and correspondent banking relationships maintained by its large community-bank sector; the state is exposed to the national \"de-risking\" trend in which larger correspondent banks curtail relationships with smaller respondent institutions over AML/CDD cost and risk concerns, a dynamic of particular relevance given Louisiana's high concentration of small, rural community banks.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "policy analysis",
     "source": "https://www.congress.gov/crs-product/IF10873",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "industry guidance",
     "source": "https://acceleronbank.com/articles/correspondent-banking-de-risk",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market analysis",
     "source": "https://www.cpiai.com/post/risk-resilience-and-regional-banking-how-community-banks-support-louisiana-s-economy-and-why-ris",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator register",
     "source": "https://ofi.la.gov/depository/banks/active-banks-directory/",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W13",
   "name": "Commercial Intelligence & Fintech",
   "confidence": "Assessed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-louisiana/#w13-commercial-intelligence-fintech",
   "standing_position": "Within the trailing 12 months (July 2025-July 2026), Louisiana's commercial-intelligence signal in payments/financial-services M&A is dominated by community-bank and credit-union consolidation rather than standalone payments-fintech deals; no major Louisiana-headquartered payments-fintech funding round or acquisition was identified in this window, which is itself a notable data point given the state's small fintech base.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_url": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_url": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_url": "https://www.privsource.com/acquisitions/financial-services/state/louisiana",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  }
 ]
}