Hi there! You're absolutely right - Facebook has definitely ramped up enforcement lately! I've noticed the same patterns across all those areas you mentioned.
They're particularly strict on: payment method verification (requiring more documentation), BM creation (flagging new Business Managers faster), and account warming (detecting artificial activity quicker). Policy enforcement is also stricter on ad copy and landing page compliance.
Best approach now: use aged payment methods, verify Business Manager with legitimate business documents, and warm accounts more gradually with organic activity first. In Ads Manager → "Account Quality" → check this daily for any warnings.
Focus on building genuine engagement and avoid any shortcuts - Facebook's AI detection is much more sophisticated now than even 6 months ago.
What specific area has hit your campaigns hardest, and have you tried slowing down your account warming process recently?