Q28. Why must compliance teams monitor changes to payment infrastructure—not just regulatory rulebooks?

Payment infrastructure changes—new settlement cycles, messaging standard migrations, real-time network launches—trigger cascading compliance obligations that are not always formally published as regulatory rules. When FedNow launched, banks needed to update transaction monitoring thresholds, reporting configurations, and customer disclosures simultaneously. When ISO 20022 displaced legacy MT messages, sanctions screening models required recalibration. Infrastructure changes are regulatory events in practice; compliance teams that monitor only formal rule publications will repeatedly be caught by their downstream consequences.