Future you calling (I work at a big bank that started RTO in early 2022). You have no option but to band together and fight this policy. If most comply, it will begin a process of eliminating the domestic workforce. That's what happened at my bank. NY Mellon fought RTO and won bank in the day via massive noncompliance. They only want you to "return" to office so they can turn around and fire you for not being in the "right" office. My company has been firing 1000-1800 people per month ever since RTO really got going. Trust me, compliance is the road to joblessness anyway, your best chance is to band together and simply say "no" now. They can't fire everyone, not all at once, they need time to plan outsourcing and contracting to replace you. Resistance can and will work, you just need enough people to do it. If you go back, you'll think you're safe for a while, but you're not. They are already planning your elimination. Do not comply. Fight the future or you'll be doomed like I am. Friends and long time colleagues get downsized every month. Good people doing great work. It doesn't matter. The consultants have decided that RTO is the most defensible method of replacing you. Don't make it easy for them and fall into that trap. I did and those of us that are left regret it.