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    <title>3G Times</title>
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    <description>3G Times covers fintech law, including Regulation, Compliance and Digital, with clear reporting, context, and practical guides.</description>
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    <category>Regulation</category>
    <category>Tech News</category>
    <category>Legaltech News</category>
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      <title>UDAAP Explained: The Three Legal Tests Behind Unfair, Deceptive, and Abusive Practices</title>
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      <description><![CDATA[Unfair, deceptive, and abusive acts or practices are governed by three distinct statutory tests, not one blanket standard, and enforcement authority splits by institution size and charter.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:38:28 GMT</pubDate>
      <dc:creator>Aleksandr Komarov</dc:creator>
      <category>Regulation</category>
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      <title>Proposed Federal Rule of Evidence 707: How Courts Would Screen Machine-Generated Evidence Offered Without an Expert</title>
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      <description><![CDATA[Published for comment in August 2025 and held for further work in May 2026, the proposal would route machine output through Rule 702's reliability requirements. Here is what the text says, what the 59 comments contested, and where it stands.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:38:27 GMT</pubDate>
      <dc:creator>Aleksandr Komarov</dc:creator>
      <category>Tech News</category>
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      <title>How Technology-Assisted Review Actually Works — and What Rule 26 and Rule 502 Require Before You Deploy It</title>
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      <description><![CDATA[Predictive coding has been accepted in federal courts for over a decade, but acceptance never meant a court can order you to use it. Here is how the workflow, the proportionality math, and the privilege protections fit together.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:38:26 GMT</pubDate>
      <dc:creator>William Elliott</dc:creator>
      <category>Legaltech News</category>
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      <title>CFPB&apos;s Section 1033 Open Banking Rule: What Its 2026 Compliance Stay Means for Data Providers</title>
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      <description><![CDATA[A federal court has stayed the tiered compliance dates for the CFPB's open-banking data-access rule while the bureau reconsiders its fee, privacy, and representative-authorization provisions.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:38:25 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Digital</category>
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      <title>FinCEN&apos;s SAR Rule Explained: The 30-Day Deadline, the $5,000 Threshold, and What Changed in 2025</title>
      <link>https://3gtimes.com/compliance/fincen-s-sar-rule-explained-the-30-day-deadline-the-5-000-threshold-and-what-changed-in-2025/</link>
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      <description><![CDATA[A joint FAQ from FinCEN and four federal banking regulators narrows when suspicious activity reports are required, without altering the underlying filing deadlines set out in 31 C.F.R. § 1020.320.]]></description>
      <pubDate>Wed, 19 Aug 2026 08:38:24 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
      <category>Compliance</category>
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      <title>How a Federal Rule Becomes Binding: The Notice-and-Comment Timeline Compliance Teams Should Plan Around</title>
      <link>https://3gtimes.com/tech-news/how-a-federal-rule-becomes-binding-the-notice-and-comment-timeline-compliance-teams-should-plan-around/</link>
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      <description><![CDATA[From Unified Agenda entry to effective date, the Administrative Procedure Act sets the floor and Executive Order 12866 and the Congressional Review Act set the calendar. A practitioner's map of the stages that create obligations and the exceptions that compress them.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:38:23 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Tech News</category>
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      <title>What NYDFS Part 500 Requires After the 2023 Amendments: 72-Hour Reporting and the 2025 Deadlines</title>
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      <description><![CDATA[NYDFS's amended cybersecurity regulation imposes 72-hour incident reporting, joint annual certification, and controls deadlines concluding November 1, 2025. Here is what covered entities must do.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:38:08 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
      <category>Compliance</category>
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      <title>EU AI Act Obligations for General-Purpose Models Took Effect August 2: What Legaltech Vendors Selling Into Europe Must Track</title>
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      <description><![CDATA[The EU AI Act's general-purpose model obligations became binding August 2, 2025, reaching US legaltech vendors with EU customers. Key dates and what procurement teams should track.]]></description>
      <pubDate>Wed, 12 Aug 2026 08:38:07 GMT</pubDate>
      <dc:creator>Aleksandr Komarov</dc:creator>
      <category>Legaltech News</category>
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      <title>What the CFPB&apos;s Personal Financial Data Rights Rule Requires, and When Compliance Deadlines Hit</title>
      <link>https://3gtimes.com/regulation/cfpb-personal-financial-data-rights-rule-explainer-3/</link>
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      <description><![CDATA[The CFPB's Section 1033 open-banking rule takes effect in stages from April 30, 2026. Here is what the final rule requires of banks, fintechs, and data aggregators.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:38:06 GMT</pubDate>
      <dc:creator>Aleksandr Komarov</dc:creator>
      <category>Regulation</category>
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      <title>Fed&apos;s Payment-Account Proposal Draws Industry Comments: Direct Settlement Access for Fintechs Advances</title>
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      <description><![CDATA[The Fed payment-account proposal (May 20, 2026) drew July comments: clearing-and-settlement access for fintechs, PSR revisions, next steps.]]></description>
      <pubDate>Sat, 08 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Tech News</category>
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      <title>Verifying Authority in the AI Research Era: The Citator Discipline That Still Decides Cases</title>
      <link>https://3gtimes.com/legaltech-news/ai-research-verification-citator-discipline/</link>
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      <description><![CDATA[Verifying authority in the AI research era: citator checks, quote verification, and the workflow that keeps generative research off the sanctions docket.]]></description>
      <pubDate>Mon, 03 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Aleksandr Komarov</dc:creator>
      <category>Legaltech News</category>
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      <title>Micro-Disclosure Evidence: Proving What the App Actually Showed, Screen by Screen</title>
      <link>https://3gtimes.com/apps/micro-disclosure-evidence-retention-apps/</link>
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      <description><![CDATA[Regulators and courts used to ask what your disclosure said — the app era's question is what version of which screen this customer saw, and the answer is an engineering artifact.]]></description>
      <pubDate>Sat, 01 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
      <category>Apps</category>
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      <title>Post-Quantum Migration for Financial Infrastructure: NIST FIPS 203 and 204 Timelines That Matter</title>
      <link>https://3gtimes.com/digital/post-quantum-migration-fips-203-financial-infrastructure/</link>
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      <description><![CDATA[Post-quantum migration for finance: NIST FIPS 203 and 204, harvest-now-decrypt-later, CBOM inventories, hybrid pilots, and the timelines that matter.]]></description>
      <pubDate>Thu, 30 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Digital</category>
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      <title>Conversational and Voice Interfaces in Banking Apps: UDAAP Lessons From the Chatbot Era</title>
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      <description><![CDATA[A Canadian airline paid for its chatbot's invented discount policy — the lesson traveled, and financial apps now treat conversational interfaces as regulated speech.]]></description>
      <pubDate>Tue, 28 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
      <category>Apps</category>
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      <title>ECOA Adverse Action Notices When AI Influences Credit Decisions: Circular 2022-03 in Practice</title>
      <link>https://3gtimes.com/compliance/ecoa-adverse-action-notices-ai-credit-decisions/</link>
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      <description><![CDATA[ECOA adverse action notices when AI drives credit decisions: Regulation B, Circular 2022-03, and the reason pipeline built as model governance.]]></description>
      <pubDate>Sat, 25 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
      <category>Compliance</category>
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      <title>Utah&apos;s AI Policy Act: Disclosure Duties When Regulated Professions Use Generative Tools</title>
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      <description><![CDATA[Utah's AI Policy Act (SB 149): asked-question disclosure, chatbot upfront rules, no liability shield — the first state generative-AI statute explained.]]></description>
      <pubDate>Tue, 21 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>William Elliott</dc:creator>
      <category>Regulation</category>
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      <title>App-Store Privacy Labels and Data-Broker Registries: The Representation Risk in Fintech SDKs</title>
      <link>https://3gtimes.com/tech-news/app-privacy-labels-data-brokers-fintech-sdks/</link>
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      <description><![CDATA[App-store privacy labels, SDK traffic, and broker registries: the fintech representation risk — and the inventory and diff controls that answer it.]]></description>
      <pubDate>Thu, 16 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Tech News</category>
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      <title>Judicial Standing Orders on Generative AI: The Filing Checklist Nobody Standardized</title>
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      <description><![CDATA[Judicial standing orders on generative AI filings: the per-judge patchwork, the variance that matters, and the registry-and-gate workflow that answers it.]]></description>
      <pubDate>Sun, 12 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Aleksandr Komarov</dc:creator>
      <category>Legaltech News</category>
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      <title>Consent Receipts and Audit Logs: Designing Exam-Ready Evidence for Open-Banking Authorization</title>
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      <description><![CDATA[Consent receipts for open-banking authorization: fields, revocation propagation, and the metric that makes consumer control exam-ready.]]></description>
      <pubDate>Tue, 07 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Digital</category>
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      <title>OFAC&apos;s 50 Percent Rule: Ownership Screening for Shell Structures in Payment Chains</title>
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      <description><![CDATA[OFAC's 50 Percent Rule: aggregate ownership blocks unlisted entities — graph-based screening, traversal, and the exam artifact lists cannot show.]]></description>
      <pubDate>Fri, 03 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Petra Vogel</dc:creator>
      <category>Compliance</category>
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