OCC报告指控美国9家大型银行存在政治性“去银行化”
OCC发布45页报告，指称美国9家大型银行曾依据政治、宗教或社会观点限制或拒绝向客户和合法企业提供服务。报告称，九家银行已修订或整合相关政策，但OCC认为它们尚未充分承认早期去银行化决定或补救客户。CFPB表示将处理可能造成的消费者损害。
#Banking
Today 0 itemsPYMNTSSource summaryAI score6767 Banking DiveSource summarySelectedAI score7676 OCC report alleges nine banks canceled customers' financial services over political or religious views
OCC released a 47-page follow-up report alleging that policies or practices at JPMorgan Chase, Bank of America, Citi, Wells Fargo, U.S. Bank, PNC, Capital One, TD and BMO between 2020 and 2025 may have affected the cancellation of banking services based on customers' political or religious views.
推荐理由：The OCC report catalogs policies and cases involving the cancellation of banking services at nine banks, allowing readers to understand how political or religious views entered financial-services eligibility reviews.
PYMNTSSource summaryAI score6363 CFPB在资金与机构改革争议中采取更宽松的银行监管方式
CFPB近期对银行和其他消费信贷机构采取更宽松的检查方式，PYMNTS援引Reuters称，今年早些时候接受检查的机构中超过半数进入“expedited review”，通常仅发现风险较低的轻微缺陷。众议院金融服务委员会推动的法案拟将CFPB监管门槛从资产规模$10 million提高至$30 million，并改变其资金来源，但该机构的未来仍取决于国会审议、法院裁决及后续政治变化。
Fintech News SingaporeSource summarySelectedAI score8383 Singapore passes the Digital Infrastructure Bill, establishing licensing regimes for critical data centres and cloud services
Singapore's Parliament passed the Digital Infrastructure Bill on October 7, 2026, establishing two licensing regimes for data centres and cloud services that affect critical services such as digital banking and payments. Critical data centres, cloud service providers, and data centres meeting the 3MW critical IT load threshold will face licensing, risk management, incident reporting, or energy efficiency requirements; certain violations may incur fines of up to S$1 million or 10 percent of annual turnover in Singapore.
推荐理由：The Bill brings operational resilience, incident reporting, and energy efficiency requirements for data centres and cloud services into a licensing framework, enabling payment institutions to assess the compliance and continuity impacts of underlying infrastructure.
Bank of EnglandSource summarySelectedAI score6868 PRA proposes linking 128 regulatory thresholds to nominal GDP with automatic increases
The UK Prudential Regulation Authority (PRA) proposes that 128 regulatory thresholds for banks, insurers and credit unions automatically increase in line with nominal GDP going forward. These thresholds determine which regulatory rules apply to institutions, how the rules are implemented and their reporting obligations to the PRA, covering the £320 billion detailed capital reporting threshold and the £7,500 individual indebtedness threshold for credit unions. The first adjustment is proposed for 1 July 2031, with updates every five years thereafter; the consultation opens on 7 October 2026 and closes on 7 February 2027.
推荐理由：The proposal would shift the updating of regulatory thresholds from ad hoc manual adjustments to regular indexation to nominal GDP, helping financial institutions anticipate changes in applicable rules, reporting obligations and compliance costs.
PYMNTSSource summaryAI score5151 美联储Bowman批评过时并购分析阻碍农村银行合并
Federal Reserve负责监管事务的副主席Michelle W. Bowman表示，银行并购竞争分析对农村及小型市场银行面临的竞争估计不足，可能阻碍本可增强竞争力的合并。她还呼吁进一步明确新设银行的资本要求和审批时限，并简化Consolidated Reports of Condition and Income申报，以减轻社区银行负担。
PYMNTSSource summaryAI score6969 ICBA起诉OCC，要求阻止加密公司快速取得银行牌照
Independent Community Bankers of America 起诉 OCC，要求法院认定与 Interpretive Letter No. 1176 相关的最终规则及指导违法，并指控其让加密公司绕过社区银行面临的同等审查。
Bank of EnglandSource summaryAI score4141 Bank of England 调整月度 Form BT 报送标准
Bank of England 将调整月度 Form BT 报送标准，部分目前按月提交 Form BT 的机构今后将改为按季度提交。按新标准，需提交 Forms BE、BN、GT 或 ER 中至少一份的机构须按月提交 Form BT；未提交上述表格的机构通常按季度提交。Bank of England 将逐一通知受影响机构变更及生效期间，并保留酌情要求月度提交的权力。
US Federal Reserve — Banking RegulationSource summarySelectedAI score6060 Four U.S. Federal Bank Regulatory Agencies Seek Comment on Third-Party Risk Management Guidance
FDIC, the Federal Reserve, NCUA, and OCC jointly seek comment on third-party risk management guidance, which is principles-based and non-binding; the final guidance will replace the existing guidance. The Federal Reserve is separately seeking comment on complementary guidance for community banks and has issued a joint statement on community banks’ partnerships with core service providers. The comment period is 60 days after publication in the Federal Register.
推荐理由：The four federal agencies are simultaneously seeking comment on third-party risk management, allowing banks and credit unions to anticipate future regulatory expectations and compliance priorities.
Bank of EnglandSource summarySelectedAI score7979 Bank of England FPC维持英国逆周期资本缓冲率2%并警示 frontier AI 金融稳定风险
Bank of England金融政策委员会（FPC）维持英国逆周期资本缓冲率（CCyB）在2%，并指出 frontier AI 的快速发展正通过网络安全与运营韧性渠道增加金融稳定风险。委员会还提出调整银行杠杆率框架的措施，并支持系统性英镑稳定币的政策声明与行为准则草案。
推荐理由：材料将 AI 相关资产估值、融资扩张与网络风险纳入金融稳定评估，并给出 CCyB 与银行资本规则的具体政策安排。
US Federal Reserve — Banking RegulationSource summarySelectedAI score6161 美国联邦银行监管机构进一步删除“声誉风险”表述
Federal Reserve、Federal Deposit Insurance Corporation 和 Office of the Comptroller of the Currency 联合更新跨机构文件，进一步删除其中对“声誉风险”的引用。监管机构表示，此举旨在确保监督决策基于实质性金融风险，避免以该概念施压银行限制个人和合法企业获得金融服务，并将继续审查其他监管材料。
推荐理由：此次更新进一步厘清银行监管文件中的“声誉风险”表述与监督决策边界，便于银行理解监管依据并减少相关概念被滥用的空间。
European Payments Council (SEPA)Source summaryAI score3636 EPC 发布 VOP API Reference Toolbox 测试用例文档 v1.2
EPC 发布《Verification of Payee API Reference Toolbox – Test Cases》v1.2（文档编号 EPC139-25），列出 VOP 解决方案验证中的测试用例，分为正向与负向用例。该工具箱是供支付服务提供商（PSPs）与路由和验证机制（RVMs）测试其是否符合 EPC 的 VOP 跨 PSP API 规范的测试环境，支持请求方与响应方两种角色。