{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000101","form_type":"8-K","ticker":"QNTO","cik":"0001391933","company_name":"QUAINT OAK BANCORP, INC.","filed_at":"2025-05-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.143528+00:00","generated_at":"2026-05-20T22:19:59.111679+00:00","sec_items":["8.01","9.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Quaint Oak Bank subsidiary enters consent orders with FDIC and PA regulator over BSA/AML program","bullets":["Consent orders issued May 15, 2025; bank neither admitted nor denied unsafe practices or violations.","No fines, penalties, or activity restrictions imposed; orders require enhanced AML/CFT policies and controls.","Remediation deadlines: 90 days for third-party risk program, 180 days for AML internal controls and risk assessment.","Bank has already hired VP Financial Crimes, expanded AML staff, and enhanced training and audit functions.","Orders follow joint FDIC/state examination that began Feb 20, 2024, based on 2023 financial data."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000101","json":"https://secwatch.observer/filing/0000927089-25-000101.json","markdown":"https://secwatch.observer/filing/0000927089-25-000101.md","text":"https://secwatch.observer/filing/0000927089-25-000101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000101/0000927089-25-000101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1391933/000092708925000101/qnto20250519_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T22:19:59.111679+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}