Federal Reserve Board批准Isabella Bank Corporation收购Grand River Commerce，并间接收购Grand River Bank。Federal Reserve Board同时批准Isabella Bank与Grand River Bank合并，并在Grand River Bank现有网点所在地设立和运营分支机构。
Federal Reserve Board宣布批准Fleur Capital Corporation收购Simmesport State Bank的申请，两家公司均位于路易斯安那州Simmesport。公告于10月2日发布。
The ECB Governing Council approved the initial launch protocol for Pontes, enabling wholesale transactions in tokenized assets to settle in central bank money, with the initial phase scheduled to launch on September 21. The ECB also approved an assessment of the feasibility of interconnecting TIPS with Brazil’s instant payment system Pix, and designated Visa Europe Payment System as a systemically important payment system, with oversight led by the ECB.
推荐理由：The ECB’s initiatives cover two main areas: settling tokenized assets in central bank money and assessing TIPS–Pix interconnection, alongside the supervision of Visa Europe Payment System, spanning wholesale settlement and payment network governance.
Plaid released its fall update for Guaranteed Payments, with customers’ approved amounts increasing by more than 22% over the baseline in the past quarter. The update adds custom user attributes, refreshed device, account, and behavioral signals for each transaction, as well as partial amount guarantees and delayed guarantees. The product runs on Signal and Protect, the former trained on $311B in transactions and the latter covering 1 billion devices and 500M+ linked accounts.
推荐理由：The update incorporates user attributes, transaction-time device and behavioral signals, and segmented guarantees into decision-making, demonstrating several productized paths to improving payment approval rates.
Plaid announced that its transaction foundation model and sequential foundation model power LendScore Arc, Signal, and Cash Advance Index, with all three products requiring no integration changes. In early testing, LendScore Arc increased approvals for subprime borrowers by 20%, Signal captured 26% more high-risk dollars at a 1% decline rate, and Cash Advance Index reduced loss dollars by 10%.
推荐理由：The article explains how foundation models are integrated into credit, ACH payment risk, and cash advance products, and provides data on real-time inference optimization and business outcomes.
FCA, HMRC and the Metropolitan Police took action at 3 London sites suspected of facilitating illegal peer-to-peer crypto trading and issued cease-and-desist letters to all sites, requiring them to stop suspected illegal crypto activity. Conducting peer-to-peer crypto trading commercially in the UK requires appropriate registration, and there are currently no FCA-registered peer-to-peer crypto businesses operating. The action was taken on 10 September 2026 under the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017.
推荐理由：The action demonstrates the UK's enforcement approach to unregistered peer-to-peer crypto trading and highlights that such businesses need to comply with anti-money laundering registration requirements.
FCA will become responsible for AML supervision of 60,000 entities in the legal and accounting sectors at the end of 2028, and has pledged to adopt a risk- and intelligence-led approach to reduce unnecessary burdens on compliant firms. FCA said its intelligence system can process more than 56 million records a day and will use technology to identify high-risk firms earlier. The agency also said it will focus resources on higher-risk financial crime activities by raising the threshold for suspicious activity reports to £3,000 and reducing duplicate requirements.
推荐理由：The material sets out the timing and scope of FCA’s expanded AML supervision, as well as its technology-led supervisory approach, enabling the legal and accounting sectors to understand future regulatory arrangements.
Stripe has introduced three improvements to Link’s agentic wallet: incremental authorization allows agents to increase the authorized amount when the final price exceeds the originally approved amount, avoiding the need to place a new order; spending insights powered by Financial Connections can analyze transaction data from more than 12,000 financial institutions to improve recommendations; eligible transactions can receive free purchase protection. Over the past month, the number of agentic purchases completed through Link has increased 38-fold.
推荐理由：The original text outlines three capabilities—incremental authorization, spending insights, and purchase protection—enabling readers to assess the scope of Link’s wallet in agentic payment scenarios.
美联储于9月25日批准 Peoples Bancorp Inc.（俄亥俄州玛丽埃塔）与 Citizens National Corporation 合并的申请，并间接收购肯塔基州派茨维尔的 Citizens Bank of Kentucky, Inc.。同时批准 Peoples Bank 与 Citizens Bank of Kentucky, Inc. 合并，并在其现有网点设立和运营分支机构。
Federal Reserve Board于8月20日批准了来自英国伦敦的National Westminster Bank Plc提交的申请，同意其在康涅狄格州斯坦福德设立代表处。公告于美国东部时间16:00发布。
US Federal Reserve理事会批准Coastal Bend Bancshares, Inc.收购First National Bank in Port Lavaca。该申请由位于德州Corpus Christi的Coastal Bend Bancshares, Inc.提出，目标银行位于德州Port Lavaca，公告发布日期为2026年8月4日。
Checkout.com has updated its PSD3 and PSR guides for merchants, outlining the proposed changes agreed by the European Parliament and the Council; following formal adoption and the end of an approximately 21-month transition period, the measures are expected to apply in 2027. The guides focus on fraud detection, SCA accessibility, fraud refunds, IBAN and account name verification, and the requirement for disputes, including chargebacks, to be resolved within 14 days; PSD3 covers the EU/EEA and will not automatically apply to the UK.
推荐理由：The article breaks down the impact of PSD3 and PSR on European merchants across fraud prevention, SCA accessibility, refund liability, and dispute handling, making it easier to assess payment system readiness.
The CFPB supervision division issued a “humility pledge,” announcing that it will focus examination resources on urgent risks facing consumers and within the scope of its statutory authority. In 2026, examinations will be announced to supervised entities in advance, reduce duplicative supervision, raise questions and require remediation around clearly defined scopes and unlawful patterns involving substantial consumer harm, and shorten examination timelines.
推荐理由：The CFPB is limiting supervisory examinations to the scope of its statutory authority, priority markets, and identifiable consumer harm, while adjusting notification, data requests, and examination timelines.
CFPB amended the remittance business consent order with Wise, requiring it to continue compensating affected consumers and reducing the penalty from the originally set $2.025 million to approximately $45,000. The case previously involved Wise misrepresenting ATM fees, insufficiently disclosing exchange rates and other costs, and failing to refund fees for remittances delayed in delivery within the legally mandated time limit; the original order also required it to pay approximately $450,000 to consumers, involving at least 16,000 consumers who were overcharged.
推荐理由：The amended order both preserves consumer relief and adjusts the penalty amount, illustrating CFPB’s specific requirements regarding remittance fee disclosures, refund deadlines, and enforcement actions.
CFPB announced that it will no longer prioritize enforcement actions based on the Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans document. CFPB said it will focus its enforcement and supervisory resources on urgent threats to consumers, especially servicemembers and veterans, and is considering taking appropriate action to rescind the Buy Now, Pay Later document.
推荐理由：The announcement outlines both the shift in enforcement resources and the consideration of rescinding the relevant document, helping distinguish between the announced enforcement priorities and the policy action still under consideration.