FFB Bank
A California bank under a joint FDIC and state order since January 2025 over merchant services run through ISOs.
FFB Bank is a state-chartered bank in Fresno, California, supervised by the FDIC. Its joint FDIC and California consent order FDIC-24-0112b, dated January 10, 2025, focuses on the bank’s merchant services program, which runs through independent sales organizations (ISOs) and sub-ISOs.
It requires an AML program centered on the ISO channel, AML officer approval of new ISOs and high-risk merchants, a review of high-risk accounts from January 1, 2024, and audit clauses in ISO contracts. The bank may not onboard new ISOs or sub-ISOs until it has implemented its ISO review plan and fixed the deficiencies found. The FDIC had published no termination as of September 26, 2026.
- Country
- United States
- Primary federal regulator
- FDIC
- State regulator
- California Department of Financial Protection and Innovation
- Charter type
- State-chartered commercial bank, not a Federal Reserve member
- FDIC certificate number
- 58090
- Enforcement actions (regulator records)
Document Regulator Issued Status FDIC-24-0112b consent order (merchant services through ISOs, BSA/AML) FDIC and California DFPI Jan 10, 2025 In force (no termination published) - Date checked
Questions
Is FFB Bank under a consent order?
What does the FFB Bank order restrict?
What is an ISO in merchant services?
See also
- Sponsor-bank enforcement tracker
- Hatch Bank, another California bank with a BSA order
- All sponsor banks
Sources
- FDIC consent order FDIC-24-0112b
- California DFPI copy of the order
- FDIC January 2025 enforcement actions
- Checked September 26, 2026.
Source: FDIC BankFind, the FDIC, OCC and Federal Reserve enforcement records and state regulators’ orders, plus partner announcements by the banks or fintechs, as linked in each profile. How we build and refresh profiles: methodology.