Schemas · Compliance-Aware Schema

Compliance-Aware Schema for US Financial Services

This document is the canonical NeverRanked template set for

deploying structured data on US bank, credit union, and

wealth-management websites. Every JSON-LD block here has been

written to anticipate the questions a bank's compliance team

will ask before signing off.

If the customer is a state-chartered institution, a national

bank, or a credit union, swap the placeholder regulatory

identifiers accordingly. Federal credit unions use NCUA, not

FDIC. Wealth advisors using SEC or state registration use the

FinancialService.disambiguatingDescription field to disclose

their registration status.

Organization / FinancialService block

The foundational block. This goes in the site-wide layout

header. Every page inherits it.

{
  "@context": "https://schema.org",
  "@type": ["BankOrCreditUnion", "FinancialService"],
  "@id": "https://www.example.com/#organization",
  "name": "Example Community Bank",
  "alternateName": "Example Bank",
  "url": "https://www.example.com",
  "logo": {
    "@type": "ImageObject",
    "url": "https://www.example.com/static/logo-1200x630.png",
    "width": 1200,
    "height": 630
  },
  "image": "https://www.example.com/static/og-default.png",
  "description": "Example Community Bank is a state-chartered commercial bank serving Hawaii since 1925, offering personal banking, business banking, mortgages, and SBA-preferred lending across all Hawaiian Islands.",
  "foundingDate": "1925",
  "memberOf": [
    {
      "@type": "Organization",
      "name": "FDIC",
      "url": "https://www.fdic.gov/"
    },
    {
      "@type": "Organization",
      "name": "Federal Reserve System"
    }
  ],
  "isicV4": "6419",
  "naics": "522110",
  "address": {
    "@type": "PostalAddress",
    "streetAddress": "123 Bishop St",
    "addressLocality": "Honolulu",
    "addressRegion": "HI",
    "postalCode": "96813",
    "addressCountry": "US"
  },
  "telephone": "+1-808-555-0100",
  "areaServed": {
    "@type": "State",
    "name": "Hawaii"
  },
  "currenciesAccepted": "USD",
  "paymentAccepted": ["Cash", "Credit Card", "Debit Card", "ACH", "Wire Transfer"],
  "knowsAbout": ["Personal Banking", "Business Banking", "SBA Lending", "Residential Mortgage", "Commercial Real Estate Lending"],
  "slogan": "(brand tagline goes here)",
  "disambiguatingDescription": "Member FDIC. Equal Housing Lender. NMLS ID #XXXXXXX."
}

Compliance notes on this block

• disambiguatingDescription carries the FDIC member statement,

Equal Housing Lender designation, and NMLS ID. These are

required disclosures under federal law for any external-facing

marketing material that names the institution. AI engines also

cite this field when asked about regulatory standing.

• memberOf makes the FDIC relationship machine-readable. If

a customer asks ChatGPT "is X bank FDIC insured," this is the

block that lets the engine answer correctly without

hallucinating.

• naics (522110 = commercial banking) and isicV4 are

optional but help engines disambiguate commercial bank from

credit union from broker-dealer.

• For credit unions, replace BankOrCreditUnion with just

BankOrCreditUnion (already correct), and replace FDIC with

NCUA in memberOf.

FAQPage block (rate-disclosure aware)

For the Common Questions or FAQ page. The trick is that any

FAQ that mentions a rate, fee, or APY triggers Truth in Savings

disclosure requirements. The schema must include the disclosure

within the answer text, not as a separate block.

{
  "@context": "https://schema.org",
  "@type": "FAQPage",
  "mainEntity": [
    {
      "@type": "Question",
      "name": "What is the current APY on your savings account?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "As of the date posted, our standard savings account earns 0.10% APY. Rates are variable and may change at any time without notice. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. See the full Truth in Savings disclosure at /disclosures/savings for current rates, fees, and terms."
      }
    },
    {
      "@type": "Question",
      "name": "Are deposits FDIC insured?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Yes. Example Community Bank is a Member FDIC. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category. Investment products, including mutual funds and stocks, are not deposits, are not FDIC insured, and may lose value."
      }
    },
    {
      "@type": "Question",
      "name": "What is your routing number?",
      "acceptedAnswer": {
        "@type": "Answer",
        "text": "Our ABA routing number is XXXXXXXXX. Verify your routing number on your printed checks or in your online banking account before initiating any transfer."
      }
    }
  ]
}

Compliance notes on FAQPage

• Every rate or APY answer MUST include the variable-rate

disclosure ("rates are variable and may change at any time

without notice") or be qualified as "as of the date posted"

with a link to the live disclosure document.

• The investment-products carve-out language ("not FDIC insured,

may lose value") is required by federal law on any FDIC

marketing where investment products are mentioned in

proximity. Even if your FAQPage doesn't mention investment

products, including the carve-out preemptively is a compliance

best practice.

• Do NOT put dollar-specific fee amounts in the FAQ schema if

the fees can change. Reference the live fee schedule by URL

instead. ("See current fee schedule at /disclosures/fees.")

FinancialProduct block (per-product page)

For each product page (savings, checking, CDs, mortgages, SBA).

This is the highest-leverage block for buyer-stage queries.

{
  "@context": "https://schema.org",
  "@type": "FinancialProduct",
  "@id": "https://www.example.com/savings/high-yield-savings#product",
  "name": "High Yield Savings Account",
  "category": "Savings Account",
  "description": "A variable-rate savings account with no monthly maintenance fee, $100 minimum opening deposit, and online and mobile access.",
  "provider": {
    "@id": "https://www.example.com/#organization"
  },
  "url": "https://www.example.com/savings/high-yield-savings",
  "termsOfService": "https://www.example.com/disclosures/savings",
  "feesAndCommissionsSpecification": "https://www.example.com/disclosures/fees",
  "interestRate": {
    "@type": "QuantitativeValue",
    "name": "APY",
    "value": "0.10",
    "unitText": "% APY"
  },
  "isRelatedTo": [
    {
      "@type": "FinancialProduct",
      "name": "Money Market Account",
      "url": "https://www.example.com/savings/money-market"
    }
  ],
  "annualPercentageRate": {
    "@type": "QuantitativeValue",
    "value": "0.10",
    "unitText": "% APY (variable, as of the date posted)"
  }
}

Compliance notes on FinancialProduct

• Always tie interestRate and annualPercentageRate to the

live disclosure URL via termsOfService. AI engines that cite

the rate will cite the disclosure URL alongside it, which is

exactly what compliance wants.

• feesAndCommissionsSpecification is a separate URL, not text.

Keep fee schedules out of the schema body so they can be

updated without re-deploying schema.

• For mortgages, add loanTerm and loanType (e.g. "30-year

fixed conventional", "VA", "FHA"). These get cited heavily

in "best Hawaii mortgage lender" type queries.

SBA preferred lender disclosure

If the institution is an SBA Preferred Lender (PLP), this is

worth its own structured block because AI engines surface PLP

status in "best SBA loan Hawaii" queries.

Add to the Organization block:

"hasCredential": [
  {
    "@type": "EducationalOccupationalCredential",
    "credentialCategory": "Government Designation",
    "name": "SBA Preferred Lender",
    "recognizedBy": {
      "@type": "GovernmentOrganization",
      "name": "U.S. Small Business Administration",
      "url": "https://www.sba.gov/"
    }
  }
]

Compliance notes on SBA designation

• Only include this block if the institution is currently a PLP.

Status is verifiable via SBA.gov. AI engines cross-check.

• If the institution is also a Community Advantage lender or has

USDA Rural Development authority, add separate

hasCredential entries for each.

Branch / ATM (LocalBusiness per location)

For multi-branch institutions, deploy a separate LocalBusiness

block per physical location. AI engines use these heavily for

"nearest bank Honolulu" type queries.

{
  "@context": "https://schema.org",
  "@type": "BankOrCreditUnion",
  "@id": "https://www.example.com/branches/bishop-square#branch",
  "name": "Example Community Bank: Bishop Square Branch",
  "branchOf": {
    "@id": "https://www.example.com/#organization"
  },
  "address": {
    "@type": "PostalAddress",
    "streetAddress": "999 Bishop St",
    "addressLocality": "Honolulu",
    "addressRegion": "HI",
    "postalCode": "96813",
    "addressCountry": "US"
  },
  "geo": {
    "@type": "GeoCoordinates",
    "latitude": "21.3099",
    "longitude": "-157.8581"
  },
  "openingHoursSpecification": [
    {
      "@type": "OpeningHoursSpecification",
      "dayOfWeek": ["Monday", "Tuesday", "Wednesday", "Thursday", "Friday"],
      "opens": "08:30",
      "closes": "16:00"
    },
    {
      "@type": "OpeningHoursSpecification",
      "dayOfWeek": "Saturday",
      "opens": "09:00",
      "closes": "13:00"
    }
  ],
  "amenityFeature": [
    {"@type": "LocationFeatureSpecification", "name": "Drive-Through ATM", "value": true},
    {"@type": "LocationFeatureSpecification", "name": "Safe Deposit Boxes", "value": true},
    {"@type": "LocationFeatureSpecification", "name": "Notary Service", "value": true}
  ]
}

What to NEVER put in financial schema

• Specific marketing claims about rates being "the highest" or

"lowest" superlative claims require substantiation under

the FTC Act and CFPB UDAAP rules

• Customer testimonials with specific dollar outcomes ("saved

$5,000") triggers endorsement disclosure requirements

• Promotional offers with expiration dates, unless paired with

a validThrough field that the CMS auto-updates

• AggregateRating from third-party review platforms unless

legally licensed to display them

• ABA routing numbers for accounts that are no longer active

Customer review / approval workflow

1. NeverRanked drafts the schema using these templates with

customer-specific values from the audit

2. Customer compliance team reviews against their internal

regulatory checklist (or against this doc)

3. NeverRanked snippet deploys schema to live site only after

compliance sign-off in writing

4. NeverRanked weekly tracking confirms schema is parsing

correctly and being cited

5. Any change to rates, fees, or product terms triggers a

schema update via the snippet within 24 hours

Why this is a moat

A vendor pitching a bank with generic schema will lose six weeks

in legal review. A vendor showing up with this template, marked

up against the bank's specific charter type and pre-approved by

the bank's compliance team, can deploy in a week. The compliance

review IS the sales cycle in regulated verticals. Solving it

upfront is the moat.

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