I've yet to see any law that requires a specific feature. Usually they're worded like "has a control for preventing unauthorized access to accounts". The defini

I've yet to see any law that requires a specific feature. Usually they're worded like "has a control for preventing unauthorized access to accounts". The definition of unauthorized, access, accounts, and even control are left to auditors and each bank defines them differently. I spent 2 months implementing something with absolutely zero security value, but the bank's auditor was insisting so we had no choice. I don't remember any data mining projects that weren't explicitly anti-fraud, but that was years ago and things may have changed since. One project I recall was able to proactively reach out to banks and inform them of compromised accounts based on things we learned from other banks. Pretty cool stuff; kinda wish I had stayed there longer.