Compliance Radar
Who was sanctioned, and for what?
Fines, court rulings and incidents from Europe, North America and Asia-Pacific: 1,838 cases from 37 jurisdictions, each with an official source and checked against that source before publication. Filter by country, area of law and sector. Click a chart to drill down one level.
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Where?
by regionAll jurisdictions
What for?
by area of lawAll areas of law
Who?
by company- Anonymised companies €1.34bn 25 % · 102 cases
- TD Bank, N.A. und TD Bank USA, N.A. €1.19bn 23 % · 1 case
- HSBC Bank plc €267.5m 5 % · 1 case
- GVA Capital Ltd. €186.3m 4 % · 1 case
- Union Standard International Group Pty Ltd; Maxi EFX Global AU Pty Ltd (EuropeFX); BrightAU Capital Pty Ltd (TradeFred) €182.1m 3 % · 1 case
- Royal Bank of Canada, Morgan Stanley, HSBC u. a. (5 Banken; Deutsche Bank als Kronzeugin bußgeldfrei) €126.2m 2 % · 1 case
- UBS Financial Services Inc. €115.3m 2 % · 2 cases
- The Toronto-Dominion Bank €113m 2 % · 1 case
- Xeltox Enterprises Ltd. (Cryptomus) €108.1m 2 % · 1 case
- Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB) €88.2m 2 % · 1 case
- 298 more€1.56bn
When?
per quarter, by date of decision| Period | Cases | Total |
|---|---|---|
| Q4 2023 | 0 | – |
| Q1 2024 | 0 | – |
| Q2 2024 | 0 | – |
| Q3 2024 | 0 | – |
| Q4 2024 | 0 | – |
| Q1 2025 | 0 | – |
| Q2 2025 | 0 | – |
| Q3 2025 | 0 | – |
| Q4 2025 | 1 | €1.8m |
| Q1 2026 | 0 | – |
| Q2 2026 | 0 | – |
| Q3 2026 | 0 | – |
| Q4 2026 | 0 | – |
1 case
28 Nov 2025 Westpac New Zealand LimitedWestpac NZ: 3.64 million NZD for breaching responsible lending principles €1.8m
The bank lacked adequate systems to give borrowers and, in some cases, guarantors the legally required information about their loans, and in some cases did not apply agreed interest rate discounts on home loans; up to 11,398 borrowers and up to 3,012 guarantors were affected. Following a settlement with the Commerce Commission (New Zealand's competition, consumer and credit regulator), the High Court declared breaches of the responsible lending principles (s 9C CCCFA) and imposed an allegedly agreed civil pecuniary penalty of 3.64 million NZD, according to the Commission the highest under the CCCFA so far. Westpac had self-reported the conduct and refunded 2.67 million NZD to those affected.
Lenders must invest in systems and controls that reliably deliver mandatory disclosures and agreed terms; self-reporting does not protect against a high penalty.
Mandatory disclosure for loans and applying agreed terms
Missing or inadequate training played a role in the decision.
- Authority / court
- High Court (Klage: Commerce Commission)
- Area of law
- Consumer protection and online retail · Information duties in online retail
- Legal basis
- Credit Contracts and Consumer Finance Act 2003, ss 9C(1), 9C(2)(a)(ii), 9C(2)(a)(iii)
- Action
- Fine
- Status of proceedings
- final
- Sector
- Financial services and insurance
- Mitigating circumstances
- Self-report, admission of the breaches before proceedings were filed and refunds of 2.67 million NZD to those affected.
- Published
- 28 Nov 2025
Original amount 3,640,000 NZD, converted at the ECB reference rate of 28 Nov 2025.
- Commerce Commission: Westpac NZ penalised $3.64 million for not being a responsible lender (28.11.2025) Press release of an authority
- Commerce Commission, Case register: Westpac New Zealand Limited (PRJ0048364) Official register or notice
Checked against the official source on 3 Oct 2026 · Direct link