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Oct 18Sun
Oct 17Sat
  2. Payments DiveSource summary56

    Carl Morris 呼吁国会审查 EWA 法案 H.R. 9330

    FlexWage Solutions 合规副总裁 Carl Morris 呼吁国会审查 EWA 法案 H.R. 9330，认为其与 CFPB 于 2025 年 12 月 22 日发布的意见在工资核验、追偿方式、过付款处理和个人信用风险评估上存在差异。文章指出，H.R. 9330 允许使用“合理确定”的工资金额，不限定具体追偿流程，也未限制重复扣款或风险评估，并可能影响州级贷款与高利贷保护。

Oct 16Fri
  2. CoinDeskSource summary55

    美国法官驳回 Gemini 与 CFTC 撤销 $5 million 和解协议的联合请求

    美国联邦法官驳回 Gemini 与 Commodity Futures Trading Commission（CFTC）撤销 $5 million 和解协议的联合请求，认定 CFTC 改变立场不足以推翻 Gemini 于 January 2025 达成的协议，也不接受 Gemini 被监管机构胁迫和解的说法。Gemini 已支付这笔款项，法院同时维持禁止其误导 CFTC 或公开否认和解结论的命令。

  4. FCA (UK)Source summary71

    ePayments Systems Limited entered special administration on 15 October 2026

    ePayments Systems Limited entered special administration on 15 October 2026, and the FCA appointed Mark Boast and Allister Manson of Opus Restructuring LLP as joint special administrators.

    推荐理由：The announcement explains customer claims, the return of funds and customer funds safeguarding arrangements under special administration, and clarifies that payment services are not covered by FSCS, directly relating to how EPS customers can recover their funds.

Oct 15Thu
  1. CoinDeskSource summary54

    美国缺乏加密资产联邦框架，华尔街转向自行建设合规与基础设施

    在美国国会未能推进 CLARITY Act 后，金融机构开始在缺乏联邦统一框架的情况下自行建设加密资产合规与基础设施。SEC 随后推出允许部分交易场所链上交易代币化美国上市股票的“innovation exemption”，但机构仍面临州级规则差异、私有网络相互隔离以及长期资本投入风险。文章建议顾问重点核查客户实际持有的资产、资产托管方、独立验证机制、费用、提现限制及平台失败后的资产追回路径。

  3. PYMNTSSource summary44

    FTC 案件审视数字企业的承诺与实际做法

    FTC 对数字企业不公平或欺骗性做法的执法，已带来数千万美元消费者赔偿或民事罚款，部分超过 $100 million，并可能伴随运营限制、持续监控及高管个人罚款。分析归纳出未经授权扣款、订阅与取消、收入和工作机会宣传、价格与费用披露、承诺与实际规则不符五类风险。企业应核对宣传与系统实际表现，明确审查责任，并记录问题、证据、决定及整改跟进。

  4. Banking DiveSource summary76

    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.

Oct 14Wed
  2. CryptopolitanSource summary35

    SBF 向美国最高法院上诉，挑战定罪证据与 $11B 没收令

    Sam Bankman-Fried（SBF）向美国最高法院上诉，质疑审判使用FTX客户损失证据，并称$11 billion没收令违反《宪法》第八修正案。法院已将政府回应期限延至11月16日，是否受理案件可能在2026年底或2027年初决定。若受理，案件可能迎来新审判；分析人士认为，削减没收金额的可能性或高于推翻定罪。

  3. CFPBSource summary79

    CFPB launches investigation into large banks’ restrictions on financial services

    CFPB announced the launch of a new phase of work to investigate whether large banks restrict financial services based on customers’ political or religious beliefs and lawful business activities. The action targets the 9 large national banks mentioned in an OCC report and covers industries including firearms, oil and gas, and tobacco, while also reviewing compliance with ECOA, FCRA, and UDAAP. CFPB also said it will use consumer complaints, regulatory, and enforcement data to launch investigations and take action when necessary.

    推荐理由：The material connects the restrictions on banking services identified in the OCC report with CFPB’s investigative authority and complaint channels, making it easier to understand how political or industry factors can enter the scope of consumer financial enforcement.

  4. Fintech News SingaporeSource summary24

    Google DeepMind 与 GovTech 开发端侧 AI 模型检测诈骗

    Google DeepMind 与新加坡 GovTech 开发端侧 AI 模型，在智能手机对话中检测诈骗，无需将消息发送至云端。模型基于轻量级 Gemma，先由分类器筛查，再分析更大范围对话，发现操纵模式后实时提醒用户谨慎分享敏感信息或转账。部署需用户同意，双方称无法通过模型访问对话；项目将分阶段推出，尚未公布上线时间或参与应用。

  5. CoinDeskSource summary63

    法国拟对受 MiCA 监管的稳定币兑换征收 31.4% 税

    法国立法者提议从 2027 年 1 月 1 日起，将加密货币兑换受欧盟 MiCA 监管稳定币纳入 31.4% 的资本利得税范围，但相关措施尚未成为法律。Chainalysis 警告，这可能促使投资者转向欧盟规则之外、透明度较低的稳定币；另一项提案还要求申报持有至少 €100,000 资产的自托管钱包，并拟将加密资产亏损结转期限设为 10 年。

  6. PYMNTSSource summary45

    科技巨头与全球警方联手捣毁西非诈骗网络

    英国 National Crime Agency（NCA）牵头的“Joint Disruption Week”行动逮捕30名涉嫌诈骗者，并移除3.7 million个在线账户和资料。行动有15家国际执法机构与15家科技公司参与，Meta、Microsoft和Coinbase分别采取封禁账户、识别受害者等措施。Coinbase识别出65多名活跃诈骗受害者，并阻止超过$415,000的潜在损失。

Oct 13Tue
  3. CryptopolitanSource summary38

    Prince Group 被指财务主管 Thet Li 面临英国法院继续扣押 £10.6 million 珠宝的申请

    英国当局将于周一申请法院继续扣押 Prince Group 被指财务主管 Thet Li 遭查扣的价值 £10.6 million 手表和珠宝，并保留 £92,570 现金。其位于伦敦、俯瞰 Buckingham Palace 的 £8.9 million 顶层公寓已被冻结。英国称该集团涉嫌以网络诈骗及“杀猪盘”投资骗局为掩护，Prince Group 否认从事任何违法活动。

Oct 12Mon
  3. Fintech News SingaporeSource summary31

    新加坡酒店预订诈骗自1月造成至少S$185,000损失

    新加坡警方表示，酒店预订钓鱼诈骗自1月已造成至少S$185,000损失，涉及至少148起案件。诈骗者冒充酒店或预订平台，通过 WhatsApp 或邮件诱导受害者验证银行卡信息，并引导至钓鱼网站授权交易。警方建议通过官方联系方式核实请求、避免点击陌生链接，并使用双重身份验证、交易限额和 Money Lock；发现欺诈交易应立即联系银行，也可通过 ScamShield 或 1799 核查。

  4. PYMNTSSource summary49

    Leela CEO称AI可让FinTech获得10人合规团队

    Leela CEO表示，其AI代理可让小型FinTech获得相当于10人合规团队的支持，并帮助大型机构扩充现有合规团队。平台覆盖从制定政策、识别义务到执行审查和生成审计证据的完整链条，同时由人工负责重大决策。早期客户的40项合规政策被转化为262项可执行义务，Leela称内部法律推理基准各组件得分均超过95%。

  6. PYMNTSSource summary44

    AI助力诈骗成为$422 Billion生意

    Global Anti-Scam Alliance估计，诈骗受害者去年在42个国家损失$442 billion，AI生成脚本、钓鱼页面和洗钱网络让诈骗更快扩张。免费层级上的9个开发者平台和AI应用构建器中，钓鱼页面在两年内增长超过四倍至10,600；过去一年未报案受害者比例上升26%至11%。

Oct 10Sat
  2. PYMNTSSource summary63

    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。

Oct 8Thu
Oct 7Wed
  1. CoinDeskSource summary65

    Cardano Foundation推出CIP-0113，允许代币发行方冻结、扣押和限制资产

    Cardano Foundation推出CIP-0113代币标准，允许稳定币、基金和债券等受监管资产的发行方限制接收者，并在规则要求时冻结、扣押或转移持仓。该标准会在每次转账前执行身份与制裁筛查，无需对Cardano网络进行硬分叉，并支持发行方选择或自定义规则。根据具体规则，授权方可能在未经持有人同意的情况下转移代币。

  2. Fintech News SingaporeSource summary74

    Singapore Parliament passes bill giving MAS power to set D-SIB loss-absorbing rules

    Singapore Parliament passed the Financial Services and Markets (Amendment) Bill on 6 October 2026, allowing MAS to require domestic systemically important banks (D-SIBs) to hold additional loss-absorbing instruments and other financial resources, and to implement the TLAC framework. The bill also allows MAS to set TLAC requirements and require banks to disclose their size and composition; violators may, upon conviction, be fined up to S$250,000. The amendment also clarifies MAS’s supervisory responsibilities for proliferation financing risks.

    推荐理由：The bill brings TLAC requirements, information disclosure and penalties for violations under MAS’s authority, providing a clearer regulatory framework for the resolution arrangements of Singapore’s D-SIBs.

  3. PYMNTSSource summary78

    CFTC proposes a federal regulatory framework for cryptocurrency exchanges after the Clarity Act setback

    After the Clarity Act failed to pass Congress, CFTC issued an advance notice of proposed rulemaking, considering establishing a federal regulatory framework through Regulation CTX and Regulation CAM.

    推荐理由：The framework places leverage, actual delivery, federal registration, and state-level licensing within the same regulatory boundary, making it easier to understand when exchanges fall within CFTC’s regulatory scope.

Oct 6Tue
  1. CryptopolitanSource summary81

    South Korea’s Financial Services Commission suspends plan to relax bank security rules

    South Korea’s Financial Services Commission has suspended its plan to relax bank security rules after AI-assisted attacks affected 7 financial institutions and exposed tens of thousands of customer records. The next round of participating banks was originally scheduled to be selected on October 7. The plan concerns South Korea’s network isolation rules. In the first round, 49 institutions with at least 10 trillion won in assets and at least 1,000 employees received one-year exemptions, while the second phase was originally intended to expand the program to 75 companies.

    推荐理由：The material connects regulatory relaxation, AI penetration-testing tools and data leaks at multiple institutions, helping readers understand the security and testing trade-offs facing the network isolation policy.

  3. CryptopolitanSource summary25

    希腊军人被控参与涉案金额$8 million的加密货币投资骗局

    希腊两名军人被指在一宗涉案金额约$8 million的加密货币投资骗局中担任领导角色，案件涉及约10,000名投资者。希腊警方已拘留17人，9名关键嫌疑人将接受调查法官讯问；投资者被承诺数周内资金翻倍，最低投入€800，投入至少€5,000可获VIP investor status。平台于Sept. 1暂停提现，警方已查扣超过€295,000及大量电子设备和证据。

  4. CoinDeskSource summary79

    U.S. CFTC Proposes Two Cryptocurrency Regulatory Rules; Gap in Spot Market Oversight Remains

    The U.S. Commodity Futures Trading Commission (CFTC) proposed two rules, Regulation CTX and Regulation CAM, to respectively regulate leveraged, margined or financed cryptocurrency transactions and establish the crypto asset market (CAM) as a new registration category for trading platforms.

    推荐理由：The two proposals cover trading and platform registration respectively, while clearly pointing out that spot trading still has a regulatory gap, making it easier to understand the boundaries of U.S. cryptocurrency market regulation.

Oct 5Mon
  2. Fintech News SingaporeSource summary28

    FOMO Pay引入Sumsub支持多市场合规

    FOMO Pay引入Sumsub的验证工具，支持其在东南亚、大湾区及中东和北非业务的合规流程。Sumsub覆盖身份与企业验证、所有权检查、反洗钱筛查及交易监控，并支持来自220多个国家和地区的14,000多种身份文件类型。平台还提供活体检测技术，用于识别验证过程中的深度伪造尝试。