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# Regulatory Information

Last Updated: 27/07/2025

Texas Capital Bank is committed to upholding the highest standards of legal, regulatory, and compliance practices. As a digital financial services provider, we operate under strict industry guidelines designed to protect customers, ensure transparency, and maintain a secure banking environment.

This page outlines the regulatory frameworks, compliance commitments, and industry standards that govern our operations.

# 1. Licensing & Authorization

Texas Capital Bank is authorized to operate as a digital financial institution under the regulatory frameworks of:

- [Insert Financial Regulatory Authority]

- [Insert Country / Jurisdiction]

We comply with all applicable:

- Banking and financial service laws

- Digital payment and e-money regulations

- Electronic banking standards

- Anti-money laundering (AML) and counter-terrorism financing (CTF) rules

> Note: When you confirm the official jurisdiction, we will replace placeholders with precise legal details.

# 2. Compliance With International Standards

Texas Capital Bank adheres to recognized global compliance standards:

### Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF)

- Mandatory KYC verification

- Transaction and behavior monitoring

- Sanctions screening

- Suspicious activity reporting

### Data Protection & Privacy

- GDPR-aligned privacy practices (where applicable)

- Secure data management and encryption

- Strict confidentiality protocols

### Payment Industry Requirements

- PCI DSS compliance for card operations

- Strong authentication and anti-fraud measures

# 3. Customer Due Diligence (CDD)

We conduct comprehensive CDD to verify customer identities and ensure platform safety:

- ID verification

- Document validation

- Proof of address checks

- Continuous monitoring for unusual activity

These processes help protect customers and support regulatory compliance.

# 4. Risk Management Framework

Our risk management system includes:

- Independent oversight from Compliance & Audit teams

- Automated fraud detection systems

- Regular security and risk assessments

- Transaction analysis and alerts

- Operational resilience planning

# 5. Consumer Protection & Transparency

Texas Capital Bank ensures transparency in:

- Fees and charges

- Terms of service

- Product disclosures

- Consumer rights and responsibilities

We are committed to offering fair and honest financial services.

# 6. Secure Digital Banking Environment

We maintain a strong digital security infrastructure supported by:

- End-to-end data encryption

- Multi-factor authentication

- Secure payment systems

- Regular penetration testing

- Backup, redundancy, and disaster recovery protocols

# 7. Reporting Obligations

As part of our regulatory duties, we provide required reports to authorized regulators, including:

- Suspicious transaction reports

- Periodic compliance reports

- Operational and financial disclosures

This is done strictly in accordance with relevant laws and confidentiality rules.

# 8. Complaints & Dispute Resolution

If you have concerns regarding regulatory or compliance matters, contact us at:

Email: [email protected]

If a matter requires escalation, customers may refer to their applicable financial regulatory authority once jurisdiction is officially defined.

# 9. Regulatory Updates

This page will be updated if regulations change or when licensing details are finalized. Customers are encouraged to review it regularly.

# 10. Contact the Compliance Office

For any regulatory questions, compliance matters, or documentation requests, reach us at:

Texas Capital Bank – Compliance Department
Email: [email protected]

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