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#Regulation

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Oct 17Sat
Oct 16Fri
  1. CryptopolitanSource summary79

    CoreWeave and Broadcom Refuse to Trade Tokenized Shares on OKXICE

    CoreWeave and Broadcom have refused to allow tokens linked to their shares to be traded on OKXICE’s new trading venue, while Cerebras Systems has also not allowed related tokens to trade on the venue.

    推荐理由：The article details OKXICE’s notification and objection mechanism: companies must raise objections within 30 days of receiving a listing notice, or the tokens could enter tokenized trading.

  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. PYMNTSSource summary61

    英格兰银行警告银行警惕 AI 网络安全风险

    英格兰银行副行长 Sarah Breeden 表示，AI 的进展已使其对全球金融系统构成系统性风险，银行不能假设网络攻击者无法突破防线。英格兰银行正在调查银行应对量子计算加密风险的准备情况，并计划据此制定覆盖金融行业的系统性应对方案。Breeden 还强调，银行需要为核心服务准备独立于主系统的 bare metal 恢复方案，并尽早迁移至抗量子加密方法。

  5. 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
  2. CryptopolitanSource summary60

    韩国FSC在AI关联攻击与KOSPI下跌7.57%后启动双线应对

    韩国金融服务委员会（FSC）在KOSPI单日下跌7.57%并有16家金融机构遭AI关联攻击后，召开紧急会议并推进两方面监管应对。措施包括盘点所有连接外部网络的系统、将大型机构漏洞检查提高至至少每年两次、明确高管与安全官员责任，并评估为小型机构建立AI联合监测系统；调查还发现130/555家机构存在补丁缺失或系统老旧等问题。

  3. Fintech News SwitzerlandSource summary84

    EBA designates USDC as the first significant e-money token under MiCA

    Under MiCA, EBA has designated USDC as a significant e-money token. Among the 45 EMTs currently notified in the EU, USDC is the first to receive this status. From 12 November 2026, EBA will be directly responsible for the issuer’s own funds, reserve assets, liquidity, and recovery and redemption plans, while France’s ACPR will continue to be responsible for governance, qualifying holdings, fit and proper assessments, outsourcing, and conflicts of interest.

    推荐理由：The article outlines the division of responsibilities between EBA and ACPR after USDC’s inclusion as a significant EMT, helping readers understand how supervisory responsibilities for stablecoin issuers are being reallocated under MiCA.

  4. Fintech News SingaporeSource summary60

    IMF与世界银行集团发布曼谷蓝图，应对数字金融欺诈

    IMF与世界银行集团联合泰国银行发布“曼谷蓝图”，提出12项考量，帮助各国识别数字金融服务中的脆弱点并协调跨部门、跨境应对。该框架于10月14日在曼谷举行的2026年IMF与世界银行集团年会上发布，内容涵盖战略与法律基础、欺诈缓解周期、执法框架、国内外合作以及消费者保护与韧性五大支柱。各国可根据自身法律、机构和市场条件调整这12项考量。

  5. CryptopolitanSource summary51

    布鲁克林检方与 FBI 查封加密投资诈骗网络，追回约 $300,000

    布鲁克林检方与 FBI 关闭一个针对讲俄语美国人的跨国加密投资诈骗网络，查封 241 个诈骗网站和 112 台服务器，并追回约 $300,000；目前无人被捕。受害者先被诱导向虚假平台的钱包地址转入加密资产，随后又遭遇以追回损失为名的二次诈骗，案件估计造成数千万美元损失。

  7. PYMNTSSource summary56

    布鲁克林地区检察官办公室查封加密诈骗网络的 241 个域名和 112 台服务器

    布鲁克林地区检察官办公室与FBI调查并打击了一起针对美国俄语社区的跨国加密货币诈骗，查封了241个网站域名和112台服务器。受害者通过俄语Facebook广告接触虚假投资顾问，提现时被锁定账户或要求支付额外税费和费用。检方估计该计划窃取了数千万美元，目前已追回约$300,000。

  8. 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.

  9. PYMNTSSource summary78

    Bank of America profit fell 17% after being fined $1.2 billion for money laundering and sanctions violations

    Bank of America’s third-quarter profit fell 17% after it was hit with a $1.2 billion regulatory fine for money laundering and sanctions violations. The U.S. Treasury said the bank failed to properly report more than $5 billion in suspicious transactions, while the OCC separately imposed a $750 million civil penalty. The bank’s revenue increased 3% to $30 billion, but fell short of analysts’ expectations, and it said it had invested billions of dollars and thousands of employees in advancing its compliance remediation.

    推荐理由：The material places the fine, the failure to report suspicious transactions, and the existing compliance remediation order alongside the same set of operating results, making it easier to understand how regulatory action is translating into financial and remediation pressure for the bank.

  10. PYMNTSSource summary42

    AI 成为英国金融监管体系的一部分：FCA部署工具审查文件并识别金融犯罪威胁

    英国金融行为监管局（FCA）正将 AI 纳入金融监管流程，用于审查机构文件、加快常规案件处理并从分散数据中识别金融犯罪威胁。FCA称，AI自动化已将简单案件处理时间从最多四小时降至平均约六分钟，但监管判断和决策仍由人工负责。FCA还完成了 Palantir 为期12周的试点，用于整合多类数据，结果及后续合作仍待评估。

Oct 14Wed
  1. PYMNTSSource summary76

    US Department of Justice reportedly investigating payment company Euro Exchange and its affiliated businesses

    The US Department of Justice is reportedly investigating businesses surrounding payment company Euro Exchange, seeking information from the administrator overseeing its liquidation and issuing a subpoena to its affiliated company, Banex International Bank. Previously, UK authorities seized Euro Exchange in June over possible AML violations, after which the FCA investigated its possible involvement in illegal activities.

    推荐理由：Following regulatory action in the UK, the US Department of Justice reportedly sought information from the liquidator and affiliated bank, highlighting the cross-border enforcement pressure facing the same payment company network.

  2. 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. 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。

  5. CryptopolitanSource summary85

    Bank of America fined over $1.21 billion for anti-money laundering and sanctions compliance deficiencies

    The U.S. Treasury Department fined Bank of America over $1.21 billion for anti-money laundering and sanctions compliance deficiencies; the bank admitted to violating the Bank Secrecy Act. Of this amount, Bank of America will pay $750 million to the OCC, while OFAC separately reached an $11.6 million settlement over sanctions violations. The OCC said the bank's monitoring systems had serious deficiencies, resulting in delays in filing suspicious activity reports related to tens of billions of dollars in transactions.

    推荐理由：The penalties cover anti-money laundering monitoring, the escalation and investigation of suspicious activity, and reporting timelines, illustrating the scope of regulators' enforcement against financial crime compliance deficiencies at banks.

  6. CryptopolitanSource summary66

    美国主导的西非反诈行动逮捕28人并移除超过3.7 million个涉诈账号

    美国主导的“Joint Disruption Week”在加纳和尼日利亚逮捕28人，并移除超过3.7 million个账号、Pages及Groups。执法部门称约$11 million加密货币可能被冻结，但尚未确认已被扣押；加纳还发现117名被迫从事诈骗的受害者。Coinbase称识别出超过65名活跃受害者，并阻止超过$415,000损失。

  7. CoinDeskSource summary74

    Philippines’ largest crypto exchange Coins.ph reportedly faces central bank regulatory action

    Two people familiar with the matter said the Bangko Sentral ng Pilipinas is taking regulatory action against crypto exchange Coins.ph over alleged violations involving the provision of services to offshore gambling platforms, which could, in serious cases, lead to the revocation of its license. Earlier this month, the Bangko Sentral ng Pilipinas reportedly restricted deposits to the exchange through its main wallet operator, DCPay Philippines, and several compliance executives also left this year. Coins.ph has more than 18 million customers and controls approximately 75%-80% of the Philippines’ peso-to-stablecoin liquidity.

    推荐理由：The report links the licensing risk, restrictions on deposits through DCPay and the departures of compliance team members, helping readers understand the potential regulatory impact on the Philippines’ crypto trading and stablecoin liquidity.

  8. PYMNTSSource summary71

    Three US federal agencies fine Bank of America more than $1.21 billion for anti-money laundering and sanctions violations

    Three US federal agencies imposed penalties totaling more than $1.21 billion on Bank of America for alleged violations of anti-money laundering and sanctions requirements. FinCEN said the bank failed to timely report more than $5 billion in suspicious transactions and noted that it admitted to willfully violating the BSA; the OCC imposed a $750 million civil penalty, while OFAC reached an $11.6 million settlement over suspected violations involving 475 sanctions programs.

    推荐理由：FinCEN, the OCC and OFAC each took enforcement or settlement measures. The materials detail the compliance deficiencies involved and the amount imposed by each agency, showing the different areas covered by the enforcement actions.

  9. Banking DiveSource summary83

    Bank of America Fined More Than $1.21B for AML Deficiencies

    Bank of America was announced by the U.S. Treasury Department to have been fined more than $1.21B for violating anti-money laundering and sanctions laws. FinCEN imposed a $1.2 billion fine, OCC also imposed a $750 million fine, and OFAC separately reached an $11.6 million settlement over sanctions violations involving Iran, Russia, global terrorism, and narcotics, with the OCC fine credited toward FinCEN's fine.

    推荐理由：The material details the penalty components imposed by FinCEN, OCC, and OFAC, as well as continuing deficiencies following an earlier enforcement order, making it easier to understand the relationship between the fines and the compliance failures.

Oct 13Tue
  1. PYMNTSSource summary72

    FinCEN clarifies that banks may use government-issued digital credentials to verify customer identities, subject to compliance requirements

    FinCEN and staff from federal banking regulators issued two FAQs clarifying that banks and credit unions may use qualifying government-issued digital credentials to verify customer identities under the CIP, but institutions are not required to accept them. VDCs must be digitally signed by the issuing agency, cryptographically bound to a device, protected by activation factors such as a PIN or biometric authentication, and capable of being processed by the institution’s systems. Banks must still identify signs of fraud, handle anomalies, and retain sufficient records; existing customer due diligence, beneficial ownership, sanctions compliance, and suspicious activity monitoring obligations remain unchanged.

    推荐理由：The guidance links the compliance use of digital identity to system authentication, anomaly handling, and recordkeeping capabilities, making it useful for assessing the implementation requirements of digital bank account opening.

  2. CoinDeskSource summary61

    韩国封锁包括 KuCoin、BitMart 和 MEXC 在内的 27 家未注册加密货币交易所网站

    韩国金融情报分析院（FIU）宣布限制包括 KuCoin、BitMart 和 MEXC 在内的 27 家未注册加密货币交易所网站访问，境外平台将被封锁，境内运营商将被终止服务。希望服务韩国客户的交易所必须向 FIU 注册，并满足安全与反洗钱（AML）要求；监管机构警告，未经授权平台的用户可能难以追回资金，并将与 DAXA 协助受影响用户提取资产。

  7. Ledger InsightsSource summary78

    EU finance ministers back raising the DLT Pilot Regime cap to €300 billion, Lagarde opposes

    The Council of the European Union reached broad agreement on its negotiating position on MISP, supporting an increase in the cap for a single DLT market infrastructure under the DLT Pilot Regime from €6 billion to €300 billion, while retaining the possibility of raising it to €500 billion in the future through a Commission delegated act.

    推荐理由：The article presents in parallel the changes to the DLT tokenization cap, the amount under the banking sector’s settlement proposal, and the division of regulatory responsibilities for CASPs, making it easier to understand the key disagreements in the MISP negotiations.

Oct 12Mon
  1. CoinDeskSource summary73

    FSB calls for stronger cross-border information sharing and stablecoin crisis response plans

    The Financial Stability Board (FSB) warned that global stablecoins and national regulatory frameworks have not yet been tested by a severe market crisis, potentially exposing cross-border gaps in redemptions, reserve transfers and the recovery of holders’ funds. The FSB recommended strengthening cross-border information sharing and monitoring, as well as contingency planning for stablecoin distress or failure; stablecoin market capitalization has risen from approximately $206 billion at the beginning of 2025 to $306 billion. The recommendations are not legally binding, but members typically commit to implementing common standards domestically.

    推荐理由：The report outlines the challenges posed by multi-issuer structures, cross-border reserve transfers and 24/7 trading, helping explain why stablecoin crisis management requires cross-border coordination.

  2. Payments Cards & MobileSource summary75

    American Express National Bank fined $350m for AML deficiencies

    American Express National Bank was fined $350m by the OCC and issued a cease-and-desist order; the Federal Reserve also took enforcement action against American Express and related entities over enterprise-wide compliance deficiencies.

    推荐理由：The case concretely illustrates the link between risk assessments in the card business and BSA/AML controls, showing how regulators examine whether transaction volumes, customer due diligence, and suspicious activity monitoring are aligned.

Oct 10Sat
  3. 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。