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Jun 15Mon
  1. Bank of EnglandSource summary21

    Bank of England 纸币图案专家小组会议纪要（2026年3月10日）

    Bank of England于3月10日召开纸币图案专家小组会议，讨论英国本土野生动物纸币图案候选名单的制定。候选名单将供公众在夏季投票，提名标准包括野生、多样、代表英国、易识别和包容，并兼顾多个栖息地与物种分类。该行此前公开咨询收到超过44,000份回复，并计划于6月3日启动第二轮咨询。

Jun 4Thu
  2. Plaid BlogSource summary41

    Plaid Link 接入 Fin：无需离开对话即可修复银行连接问题

    Plaid 将 Plaid Link 接入 Fin AI Agent，联合客户可在 Fin Messenger 聊天中安全连接或重新连接银行账户，无需离开对话。客户现可提交加入 open beta 的意向；Fin 活跃使用后平均将首次响应时间从约 38 分钟降至约 2 分钟，双方预计进一步将首次响应和问题解决时效缩短至数秒。

Jun 3Wed
  3. Plaid BlogSource summary37

    Plaid：游戏行业欺诈已成为网络问题

    Plaid指出，游戏行业欺诈已从单一运营商问题演变为网络问题，多平台注册、预测市场与AI让跨运营商欺诈更易规模化。预测市场受CFTC监管，体育博彩遵循州级OSB规则，跨监管体系的身份与欺诈信号需要联动。Plaid称其网络覆盖超过9,000个应用和客户、12,000+家金融机构，并建议以银行账户所有权与历史、行为和设备信号及分层验证贯穿玩家旅程。

Jun 2Tue
  1. US Federal Reserve — Banking RegulationSource summary61

    U.S. federal banking regulators further remove references to “reputational risk”

    Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency jointly updated an interagency document, further removing references to “reputational risk.” The regulators said the move is intended to ensure that supervisory decisions are based on substantive financial risks, avoid using the concept to pressure banks into restricting individuals’ and legitimate businesses’ access to financial services, and continue reviewing other regulatory materials.

    推荐理由：The update further clarifies the boundaries between references to “reputational risk” in banking regulatory documents and supervisory decisions, making it easier for banks to understand the basis for regulation and reducing the scope for misuse of the concept.

  2. CFPBSource summary38

    CFPB 推动 Bilt 确保受银行合作方切换影响的消费者获得全额补偿

    CFPB 与 Bilt 沟通后，要求其确保因切换新银行合作方而受影响的消费者获得全额补偿。Bilt 已主动联系少数潜在受影响客户，承诺退还与切换相关的透支费、滞纳金或资金不足费，并将在 6 月 4 日前为 500 多名新确认客户完成退费。CFPB 表示将继续监督 Bilt 直至其确认全额补偿到位。

Jun 1Mon
May 29Fri
  1. FINTRAC (Canada)Source summary21

    FINTRAC新闻稿：Project Anchor人口贩运调查中一人被控相关罪行

    Regina Police Service在Project Anchor多机构人口贩运调查中，对一人提出与人口贩运相关的指控。FINTRAC提供的金融情报得到认可，其依据加拿大各地企业提交的金融交易报告，为执法和国家安全调查提供协助；调查于2025年12月启动，涉及一名在加拿大西部包括Regina遭人口贩运的女性受害者。

May 28Thu
  1. FINTRAC (Canada)Source summary47

    FINTRAC 发布涉及人口贩运及大型国际体育和娱乐活动的洗钱指标

    FINTRAC发布关于大型国际体育和娱乐活动相关人口贩运风险的特别公告，帮助受《犯罪收益（洗钱）和恐怖主义融资法》约束的企业识别相关交易并报告可疑交易。2024–25年，FINTRAC向加拿大各级执法机构披露316项可行动金融情报，涉及538名关注对象，并支持26项项目级调查。

May 26Tue
May 21Thu
May 14Thu
  1. FINTRAC (Canada)Source summary60

    FINTRAC imposes a $693,742.50 administrative monetary penalty on Necosmart

    FINTRAC imposed a $693,742.50 administrative monetary penalty on the MSB Necosmart, which operates in Edmonton, Alberta, Canada. The penalty decision was made on March 27, 2026.

    推荐理由：The announcement also lists deficiencies involving unreported suspicious transactions, the compliance program, measures for high-risk situations, and virtual currency transaction records, presenting the AML requirements that MSBs need to implement.

May 12Tue
May 11Mon
  1. Checkout.com BlogSource summary30

    我的支付之路：justt 支付与拒付策略高级总监 Sarah Boehmer 的职业历程

    Sarah Boehmer 从内部审计和 IPO 准备工作转入支付与拒付领域，现任 justt 支付与拒付策略高级总监。她曾在 Super.com 搭建欺诈与拒付职能并推动支付优化，如今在 justt 作为面向客户的主题专家，帮助潜在客户使用其 AI-based chargeback platform 解决争议。她认为 AI 将推动支付演进，并用于分析支付数据和优化路由。

May 7Thu
  1. European Payments Council (SEPA)Source summary36

    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。

May 6Wed
  1. FINTRAC (Canada)Source summary75

    FINTRAC announces changes to Canada’s administrative monetary penalty framework

    FINTRAC said Canada’s Strengthening Canada’s Immigration System and Borders Act received Royal Assent on March 26, 2026, introducing a new administrative monetary penalty framework. The new framework raises the maximum penalty amount to 40 times the current limit, incorporates an assessment of ability to pay, and introduces mandatory compliance agreements and compliance orders. Violations occurring after March 26, 2026 will be subject to the new framework, while violations that occurred entirely before that date will continue to be subject to the previous policy.

    推荐理由：The new framework changes the maximum penalty, compliance agreement and compliance order tools, and determines which policy applies based on the date of the violation, helping reporting entities understand the regulatory arrangements during the transition period.

May 5Tue
  1. FINTRAC (Canada)Source summary45

    FINTRAC 对 Birks Group Inc. 处以 $51,562.50 行政罚款

    FINTRAC 对 Birks Group Inc. 处以 $51,562.50 行政罚款，因其违反加拿大《犯罪收益（洗钱）和恐怖主义融资法》Part 1及相关法规。违规包括未制定并持续更新经高级官员批准的书面合规政策、未评估并记录洗钱或恐怖主义融资风险，以及未按规定每两年完成并记录内部或外部审计复核。

Apr 30Thu
  1. Checkout.com BlogSource summary38

    发卡与收单：旅行平台在单一平台协同更优

    旅行企业将发卡与收单整合到同一平台，可缩短结算等待、改善现金流并减少预存资金需求。客户付款被捕获后，资金可立即用于发卡，虚拟卡能在几毫秒内创建并发送给航空公司或酒店，供应商付款由此在毫秒级触发。该模式还可减少多币种账户预存和短期信贷依赖，并在供应商失败或服务中断时支持 chargebacks 或付款追回。

Apr 26Sun
  2. Nacha (ACH Network)Source summary37

    Plaid 为何押注 Same Day ACH：灵活性是关键

    Plaid 将 Same Day ACH 作为其平台资金存入与付款的核心选项，支持账户开户注资、账单支付、贷款服务、电商及保险等场景。Plaid 支付产品线市场负责人 Mollie Curran 称，Same Day ACH 已成为 Plaid 客户中采用最广泛的支付轨道，兼顾速度与灵活性，覆盖银行、借贷、保险及数字资产平台等多元客户群体。

  5. Nacha (ACH Network)Source summary38

    Same Day ACH 让现金归集更便捷

    大型企业可利用 Same Day ACH 的贷记和借记，在同一工作日数小时内将分散于多家金融机构的多个经营账户资金归集至中央账户，用于工资、供应商付款等日常流动性需求。该方式沿用熟悉的 ACH 流程，提供当日资金头寸可见性，支持灵活的 ACH 资金划拨，并强化现金流预测与日常资金运营。

  6. Nacha (ACH Network)Source summary25

    灾害救援时，Same Day ACH 如何快速送达援助资金

    一家非营利组织为受自然灾害影响的家庭提供紧急经济援助，通过启用 Same Day ACH 贷记付款，在审批通过后于同一工作日将资金送达受助人的银行或信用合作社账户。Same Day ACH 帮助组织在需求最紧迫时快速交付援助、高效支持大规模付款，并减少应急响应期间的行政工作量，确保救援资金及时可靠地到达受助人手中。

Apr 25Sat
Apr 24Fri
  1. FINTRAC (Canada)Source summary77

    FINTRAC CEO Sarah Paquet outlines Canada’s anti-financial crime regulatory priorities

    FINTRAC CEO Sarah Paquet delivered a speech in Toronto, saying the agency will strengthen risk oversight of regulated businesses, virtual currency businesses and financial institutions, with a focus on combating ransomware, fentanyl trafficking, fraud, money laundering and sanctions evasion.

    推荐理由：The speech places virtual currency business regulation, administrative penalties and digital supervision within the same framework, providing regulated businesses in Canada with compliance priorities and an indication of enforcement trends.

Apr 23Thu
  1. FINTRAC (Canada)Source summary57

    FINTRAC发布针对敲诈勒索洗钱风险的专项指标公告

    FINTRAC发布与针对加拿大南亚侨民的敲诈勒索相关洗钱专项公告，帮助受《犯罪收益（洗钱）和恐怖融资法》约束的企业识别敲诈行为，并向该中心报告可疑交易及被列名个人或实体的财产报告。自 2026 年初以来，FINTRAC已就敲诈勒索生成超过100份金融情报披露，涉及300多个对象和超过63,000笔金融交易。公告还提到，FINTRAC正与银行、信用合作社、政府及执法机构分享相关趋势和洗钱类型。

Apr 20Mon
  1. Checkout.com BlogSource summary52

    OpenAI 智能体商务转向商户控制结账：对商户意味着什么

    OpenAI 正将 ChatGPT 内的商务模式从 Instant Checkout 转向由商户控制结账，AI 负责商品发现和购买意图，商户负责交易执行。当前主要有两种模式：将用户引导至商户网站或应用完成结账，或通过 OpenAI SDK 在 ChatGPT 内构建体验，并由商户基础设施通过委托支付流程完成结账。

Apr 16Thu
  1. FINTRAC (Canada)Source summary82

    FINTRAC releases implementation schedule for amendments to Canada's anti-money laundering legislation

    FINTRAC has released an implementation schedule for amendments to Canada's anti-money laundering legislation, covering requirements related to administrative monetary penalties, compliance programs, universal registration and stablecoin issuer registration. Some amendments will take effect on 2026年3月26日, while measures including stablecoin issuer registration will be implemented after the related regulations are published in Canada Gazette, Part II. The page also describes obligations that are already in effect, including voluntary information sharing among reporting entities and discrepancy reporting on beneficial ownership.

    推荐理由：The page organizes changes related to administrative monetary penalties, compliance programs and stablecoin issuer registration by their effective dates, making it easier for regulated businesses to identify outstanding obligations.

Apr 10Fri