{"id":1211,"date":"2026-05-13T04:35:45","date_gmt":"2026-05-13T04:35:45","guid":{"rendered":"https:\/\/fabian-sanchez.com\/?p=1211"},"modified":"2026-05-13T05:00:03","modified_gmt":"2026-05-13T05:00:03","slug":"fincen-rule-making-proposals-on-effectiveness-risk-based-programs-and-national-priorities-potential-global-reach-and-implications","status":"publish","type":"post","link":"https:\/\/fabian-sanchez.com\/?p=1211","title":{"rendered":"FINCEN Rule Making Proposals on Effectiveness, Risk-Based Programs, and National Priorities: Potential Global Reach and Implications"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1211\" class=\"elementor elementor-1211\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41a397a e-flex e-con-boxed e-con e-parent\" data-id=\"41a397a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0731b03 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"0731b03\" data-element_type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;,&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-1212 alignleft\" src=\"https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen-300x225.webp\" alt=\"\" width=\"300\" height=\"225\" srcset=\"https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen-300x225.webp 300w, https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen-1024x767.webp 1024w, https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen-768x575.webp 768w, https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen-1320x988.webp 1320w, https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen-600x449.webp 600w, https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen.webp 1500w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><strong><em>FINCEN Rule Making Proposals on Effectiveness, Risk-Based Programs, and National Priorities: Potential Global Reach and Implications<\/em><\/strong><\/p><p>In April 2026, the U.S. Department of the Treasury\u2019s Financial Crimes Enforcement Network (\u201cFinCEN\u201d) issued a proposed rule that could reshape how anti-money laundering and countering the financing of terrorism (\u201cAML\/CFT\u201d) programs are designed, supervised, and evaluated in the United States of America (USA). The proposal marks a shift from process-driven compliance to outcome-driven effectiveness.<\/p><p>For years, financial institutions focused heavily on demonstrating technical compliance with the Bank Secrecy Act (\u201cBSA\u201d). FinCEN now proposes that institutions should instead demonstrate that their AML\/CFT programs work in identifying and mitigating illicit finance risks. This proposal has implications beyond the USA.<\/p><p>Foreign financial institutions that depend on USA correspondent banking relationships may face increased scrutiny from USA correspondent banks seeking assurance that their overseas partners operate effective and risk-based AML\/CFT programs.<\/p><p><strong><em>Summary of the Proposed Rule<\/em><\/strong><\/p><p>The proposed rule, published in the Federal Register on April 10, 2026, seeks to modernize AML\/CFT obligations under the BSA and implement provisions of the Anti-Money Laundering Act of 2020.<\/p><p><strong>Core Themes<\/strong><\/p><p><strong>Focus on Effectiveness<\/strong><\/p><p>FinCEN proposes that AML\/CFT programs should be assessed based on outcomes rather than paperwork volume. The proposal recognizes that:<\/p><ul><li>No institution can detect every illicit transaction.<\/li><li>Filing high volumes of Suspicious Activity Reports (SARs\u201d) does not necessarily equal effectiveness.<\/li><li>Institutions should focus resources where risks are highest.<\/li><\/ul><p><strong>\u00a0<\/strong><\/p><p><strong>Strengthening Risk-Based Compliance<\/strong><\/p><p>Financial institutions would need to:<\/p><ul><li>Identify and document money laundering and terrorist financing risks.<\/li><li>Allocate compliance resources according to risk.<\/li><li>Reduce unnecessary focus on lower-risk activity.<\/li><li>Continuously update risk assessments as risks evolve.<\/li><\/ul><p><strong>\u00a0<\/strong><\/p><p><strong>Integration of National AML\/CFT Priorities<\/strong><\/p><p>Institutions would need to review and incorporate national AML\/CFT priorities into their risk assessment processes. This is one of the most significant aspects of the proposal.<\/p><p><strong>Distinguishing Design Failures from Implementation Failures<\/strong><\/p><p>FinCEN proposes a distinction between:<\/p><ul><li>A poorly designed AML\/CFT program.<\/li><li>Isolated operational or implementation deficiencies.<\/li><\/ul><p>The proposal suggests that only significant or systemic implementation failures should trigger major supervisory or enforcement actions once a properly designed program exists.<\/p><p><strong>Increased Supervisory Coordination<\/strong><\/p><p>The proposal gives FinCEN a larger role in supervisory actions involving banks.<\/p><p>Federal banking agencies would consult with FinCEN before significant AML\/CFT supervisory actions are taken.<\/p><p><strong><em>Proposed Rules and Their Intended Effect<\/em><\/strong><\/p><table><thead><tr><td><p><strong>Proposed Rule \/ Reform<\/strong><\/p><\/td><td><p><strong>Description<\/strong><\/p><\/td><td><p><strong>Intended Effect According to FinCEN<\/strong><\/p><\/td><\/tr><\/thead><tbody><tr><td><p>Effectiveness Standard<\/p><\/td><td><p>AML\/CFT programs evaluated on effectiveness rather than procedural compliance alone<\/p><\/td><td><p>Shift focus toward meaningful detection and mitigation of illicit finance<\/p><\/td><\/tr><tr><td><p>Risk-Based Resource Allocation<\/p><\/td><td><p>Institutions direct greater resources toward higher-risk customers and activity<\/p><\/td><td><p>Reduce unnecessary burden on low-risk activity and improve risk targeting<\/p><\/td><\/tr><tr><td><p>Mandatory Risk Assessment Processes<\/p><\/td><td><p>Institutions must identify, assess, and document ML\/TF risks<\/p><\/td><td><p>Ensure programs are tailored to actual institutional risk exposure<\/p><\/td><\/tr><tr><td><p>Incorporation of National AML\/CFT Priorities<\/p><\/td><td><p>Institutions must review and incorporate FinCEN AML\/CFT priorities into risk assessments<\/p><\/td><td><p>Align private sector controls with national security and law enforcement concerns<\/p><\/td><\/tr><tr><td><p>Ongoing Program Updating Requirement<\/p><\/td><td><p>Programs must evolve as institutional risks change<\/p><\/td><td><p>Prevent outdated compliance frameworks<\/p><\/td><\/tr><tr><td><p>Distinction Between Design and Implementation Deficiencies<\/p><\/td><td><p>Enforcement focus shifts toward systemic failures rather than isolated technical deficiencies<\/p><\/td><td><p>Create supervisory consistency and reduce punitive treatment for minor issues<\/p><\/td><\/tr><tr><td><p>Clarified Independent Testing Expectations<\/p><\/td><td><p>Auditors and examiners should not substitute their judgment for institutional risk decisions<\/p><\/td><td><p>Reinforce institutional ownership of risk-based decision-making<\/p><\/td><\/tr><tr><td><p>Increased FinCEN Supervisory Role<\/p><\/td><td><p>FinCEN consultation required before significant AML\/CFT supervisory actions<\/p><\/td><td><p>Promote consistency in supervisory outcomes<\/p><\/td><\/tr><tr><td><p>Emphasis on Reasonably Designed Controls<\/p><\/td><td><p>Programs must be reasonably designed based on risk profile<\/p><\/td><td><p>Encourage practical and proportionate compliance frameworks<\/p><\/td><\/tr><\/tbody><\/table><p>Source: Federal Register Proposed Rule and FinCEN Fact Sheet.<\/p><p><strong><em>Implications for Financial Institution Compliance Programs<\/em><\/strong><\/p><p>The proposal could materially alter how institutions structure AML\/CFT governance, operations, technology, and oversight.<\/p><p><strong style=\"background-color: transparent;\">Risk Assessments Become the Foundation of the AML Program<\/strong><\/p><p>Historically, many institutions treated the risk assessment as a supporting document.<\/p><p>Under the proposed framework:<\/p><ul><li>The risk assessment becomes the driver of the entire AML\/CFT program.<\/li><li>Monitoring rules, customer due diligence, staffing, alert thresholds, and escalation procedures must align with documented risks.<\/li><\/ul><p>Institutions may now need to demonstrate:<\/p><ul><li>Why certain customers are classified as low risk.<\/li><li>Why resources were allocated to one risk area over another.<\/li><li>Why certain monitoring thresholds exist.<\/li><\/ul><p>This creates pressure for:<\/p><ul><li>Better data governance.<\/li><li>Stronger documentation standards.<\/li><li>Greater board oversight.<\/li><\/ul><p>A key question emerges:<\/p><p><strong><em>Can the institution clearly explain why its AML resources are deployed the way they are?<\/em><\/strong><\/p><p><strong style=\"background-color: transparent;\">Effectiveness Metrics Will Gain Importance<\/strong><\/p><p>Compliance teams may increasingly need measurable indicators of effectiveness.<\/p><p>Potential metrics include:<\/p><ul><li>Alert-to-SAR conversion rates.<\/li><li>Investigation timeliness.<\/li><li>Backlog levels.<\/li><li>SAR usefulness.<\/li><li>Repeat suspicious activity trends.<\/li><li>False positive ratios.<\/li><\/ul><p>Institutions may face challenges proving effectiveness where:<\/p><ul><li>Legacy monitoring systems generate excessive false positives.<\/li><li>Staffing shortages create investigation delays.<\/li><li>Risk assessments are outdated.<\/li><\/ul><p>The proposal implicitly pushes institutions toward:<\/p><ul><li>Data analytics.<\/li><li>Model optimization.<\/li><li>Risk segmentation.<\/li><li>Dynamic transaction monitoring.<\/li><\/ul><p><strong style=\"background-color: transparent;\">\u00a0<\/strong><\/p><p><strong style=\"background-color: transparent;\">National Priorities Must Be Embedded into Risk Frameworks<\/strong><\/p><p>This proposal specifically requires institutions to review and incorporate AML\/CFT priorities into their risk assessment processes.<\/p><p>This is the proposal that most directly integrates national priorities into the risk-based framework.<\/p><p>Institutions may therefore need to:<\/p><ul><li>Map national priorities against products, services, customers, and geographies.<\/li><li>Update enterprise-wide risk assessments.<\/li><li>Adjust monitoring typologies.<\/li><li>Revise training content.<\/li><li>Reprioritize investigative resources.<\/li><\/ul><p>Examples of national priorities may include:<\/p><ul><li>Corruption.<\/li><li>Cybercrime.<\/li><li>Human trafficking.<\/li><li>Proliferation financing.<\/li><li>Transnational organized crime.<\/li><\/ul><p>This could increase expectations for strategic intelligence functions within compliance departments.<\/p><p><strong>Governance Expectations Will Increase<\/strong><\/p><p>Boards and senior management may face greater scrutiny regarding:<\/p><ul><li>Risk appetite.<\/li><li>Resource allocation.<\/li><li>Program effectiveness.<\/li><li>Escalation management.<\/li><\/ul><p>A compliance program that exists on paper but lacks operational effectiveness may no longer satisfy supervisory expectations.<\/p><p>This raises practical questions:<\/p><ul><li>Does the board understand the institution\u2019s ML\/TF risks?<\/li><li>Can management explain residual risk exposure?<\/li><li>Are risk decisions documented and defensible?<\/li><\/ul><p><strong>\u00a0<\/strong><\/p><p><strong>Independent Testing May Change<\/strong><\/p><p>The proposal discourages examiners and auditors from imposing subjective views over institutional risk judgments.<\/p><p>This may:<\/p><ul><li>Increase flexibility for institutions.<\/li><li>Increase responsibility for institutions.<\/li><\/ul><p>Internal audit functions may need:<\/p><ul><li>Stronger risk expertise.<\/li><li>Better understanding of model governance.<\/li><li>Enhanced capability to test effectiveness rather than checklist compliance.<\/li><\/ul><p><strong><em>\u00a0<\/em><\/strong><\/p><p><strong><em>Potential Extraterritorial Implications for Foreign Financial Institutions<\/em><\/strong><\/p><p>Although the proposed rules apply to U.S. financial institutions, the practical impact may extend globally.<\/p><p>This is especially relevant for:<\/p><ul><li>Foreign banks.<\/li><li>Money service businesses.<\/li><li>Securities firms.<\/li><li>Payment providers.<\/li><li>Fintechs maintaining U.S. correspondent banking access.<\/li><\/ul><p><strong>\u00a0<\/strong><\/p><p><strong>Correspondent Banking Relationships Will Likely Tighten<\/strong><\/p><p>U.S. correspondent banks operate under their own regulatory obligations. If U.S. institutions must demonstrate effective AML\/CFT programs, they may:<\/p><ul><li>Increase scrutiny of respondent banks.<\/li><li>Demand stronger evidence of AML effectiveness.<\/li><li>Reassess relationships with institutions viewed as weak or opaque.<\/li><\/ul><p>Foreign institutions may therefore encounter:<\/p><ul><li>Enhanced due diligence requests.<\/li><li>More detailed questionnaires.<\/li><li>Requests for effectiveness metrics.<\/li><li>Increased onsite reviews.<\/li><li>Greater pressure regarding remediation timelines.<\/li><\/ul><p>The underlying concern for U.S. correspondent banks is straightforward:<\/p><p><strong>Can they demonstrate that their foreign counterparties do not expose them to unacceptable illicit finance risk?<\/strong><\/p><p><strong>Risk-Based Expectations May Cascade Globally<\/strong><\/p><p>Many foreign institutions already align with:<\/p><ul><li>Financial Action Task Force recommendations.<\/li><li>Basel Committee guidance.<\/li><li>Wolfsberg principles.<\/li><\/ul><p>However, the FinCEN proposal sharpens focus on demonstrable effectiveness.<\/p><p>Foreign institutions may increasingly need to show:<\/p><ul><li>Evidence-based risk assessments.<\/li><li>Outcome-driven monitoring.<\/li><li>Effective governance structures.<\/li><li>Alignment between risks and controls.<\/li><\/ul><p>This may affect institutions operating in:<\/p><ul><li>Higher-risk jurisdictions.<\/li><li>Cash-intensive economies.<\/li><li>Weak regulatory environments.<\/li><li>Countries with strategic AML deficiencies.<\/li><\/ul><p><strong>\u00a0<\/strong><\/p><p><strong>De-Risking Pressures Could Increase<\/strong><\/p><p>Correspondent banks may become more selective.<\/p><p>Foreign institutions unable to demonstrate effective AML\/CFT controls may face:<\/p><ul><li>Relationship restrictions.<\/li><li>Increased compliance costs.<\/li><li>Transaction limitations.<\/li><li>Account closures.<\/li><\/ul><p>Smaller institutions may face the greatest challenge.<\/p><p>This is particularly relevant for:<\/p><ul><li>Caribbean financial institutions.<\/li><li>Remittance-focused entities.<\/li><li>Smaller money service businesses.<\/li><\/ul><p>An important policy question arises:<\/p><p><strong><em>Could effectiveness-based supervision unintentionally accelerate financial exclusion and correspondent banking withdrawal in smaller markets?<\/em><\/strong><\/p><p>FinCEN itself acknowledged concerns surrounding de-risking and access to financial services in the proposal.<\/p><p><strong>Increased Demand for Documentation and Demonstrable Outcomes<\/strong><\/p><p>Foreign institutions may increasingly need to provide:<\/p><ul><li>Enterprise-wide risk assessments.<\/li><li>AML governance frameworks.<\/li><li>Audit reports.<\/li><li>Independent testing results.<\/li><li>SAR quality metrics.<\/li><li>Training evidence.<\/li><li>Monitoring methodology documentation.<\/li><\/ul><p>Correspondent banking reviews may evolve from:<\/p><ul><li>\u201cDo you have an AML program?\u201d<br \/>to:<\/li><li>\u201cCan you prove your AML program works?\u201d<\/li><\/ul><p><strong><em>\u00a0<\/em><\/strong><\/p><p><strong><em>Summary Takeaways<\/em><\/strong><\/p><p>The FinCEN proposal represents a major evolution in AML\/CFT supervision.<\/p><p>The proposal shifts focus:<\/p><ul><li>From process to outcomes.<\/li><li>From volume to effectiveness.<\/li><li>From generic controls to risk-based allocation.<\/li><li>From static compliance to dynamic risk management.<\/li><\/ul><p>The proposal requiring incorporation of national AML\/CFT priorities into institutional risk assessments may become one of the most influential aspects of the framework.<\/p><p>For U.S. institutions:<\/p><ul><li>Risk assessments become central.<\/li><li>Governance expectations rise.<\/li><li>Effectiveness must be demonstrable.<\/li><\/ul><p>For foreign institutions:<\/p><ul><li>Correspondent banking scrutiny may intensify.<\/li><li>U.S. banking partners may demand stronger evidence of AML\/CFT effectiveness.<\/li><li>Global expectations around effectiveness-based compliance may expand beyond U.S. borders.<\/li><\/ul><p>The broader implication is clear:<\/p><p>AML\/CFT compliance may increasingly be judged not by how much activity institutions review, but by how effectively they identify, manage, and mitigate illicit finance risk.<\/p><p>Author: <a href=\"mailto:Fabian%20E.%20Sanchez,%20JP%20|%20LinkedIn\"><em>Fabian E. Sanchez, JP | LinkedIn\u00a0<\/em><\/a><em>CIPM, Intl. Dip. AML, CAMS, CIRM, MBA, BBA\u00a0<\/em><\/p><p><a href=\"mailto:fsanchez@fabian-sanchez.com\"><em>fsanchez@fabian-sanchez.com<\/em><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63978b2 e-flex e-con-boxed e-con e-parent\" data-id=\"63978b2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e7fc78 e-flex e-con-boxed e-con e-parent\" data-id=\"1e7fc78\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-065241d e-flex e-con-boxed e-con e-parent\" data-id=\"065241d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e7631f e-flex e-con-boxed e-con e-parent\" data-id=\"8e7631f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-609814d e-flex e-con-boxed e-con e-parent\" data-id=\"609814d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0408ab7 e-flex e-con-boxed e-con e-parent\" data-id=\"0408ab7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-232fd1c e-flex e-con-boxed e-con e-parent\" data-id=\"232fd1c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed9f9f7 e-flex e-con-boxed e-con e-parent\" data-id=\"ed9f9f7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FINCEN Rule Making Proposals on Effectiveness, Risk-Based Programs, and National Priorities: Potential Global Reach and Implications In April 2026, the U.S. Department of the Treasury\u2019s Financial Crimes Enforcement Network (\u201cFinCEN\u201d) issued a proposed rule that could reshape how anti-money laundering and countering the financing of terrorism (\u201cAML\/CFT\u201d) programs are designed, supervised, and evaluated in the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1212,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,1],"tags":[44,43,31,35,50,30,45,36,29,51,49,48,34,47,28,32],"class_list":["post-1211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-amlfundamentals","category-uncategorized","tag-aml-effectiveness","tag-aml-risk","tag-banks","tag-boards","tag-bsa","tag-compliance","tag-data-privacy","tag-directors","tag-enforcement","tag-federal-regulator","tag-fincen","tag-fintech","tag-governance","tag-msbs","tag-penalties","tag-remittance"],"jetpack_featured_media_url":"https:\/\/fabian-sanchez.com\/wp-content\/uploads\/2026\/05\/Fincen.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/posts\/1211","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1211"}],"version-history":[{"count":7,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/posts\/1211\/revisions"}],"predecessor-version":[{"id":1221,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/posts\/1211\/revisions\/1221"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=\/wp\/v2\/media\/1212"}],"wp:attachment":[{"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fabian-sanchez.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}