Which of the following is NOT a consequence of noncompliance with the Bank Security Act?

The option referring to increased bank fees is correct because it does not directly stem from noncompliance with the Bank Security Act. Noncompliance typically leads to serious repercussions involving legal actions and penalties, which include civil and criminal penalties as a means to enforce compliance and protect the integrity of the banking system.

Additionally, the establishment of reporting standards and the creation of an investigative paper trail are inherent outcomes of the regulatory measures designed to ensure banks comply with the law. These processes help to monitor and prevent financial crimes, ensuring that institutions uphold high standards of security and reporting accuracy. In contrast, while noncompliance may result in heightened oversight or additional compliance measures, it does not inherently lead to increased fees charged by banks. Instead, bank fees may be influenced by various operational and competitive factors unrelated to compliance issues.