In a significant move, the US Treasury Department and FinCEN are urging financial institutions to strengthen their monitoring of activities linked to illegal immigration. Banks are warned to detect and report illicit activities associated with undocumented workers, highlighting red flags related to customer immigration status. The Trump administration is directing banks to consider immigration status in lending decisions, which includes the potential for mortgage and credit applications. This crackdown is coupled with advisories regarding payroll schemes tied to unauthorized workers, further complicating the financial landscape for institutions dealing with clients of uncertain legal status. The Consumer Financial Protection Bureau (CFPB) has also issued guidance on how immigration status should factor into lending practices, as the Treasury seeks to combat illegal employment and enhance financial integrity.