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#Regulation

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Oct 16Fri
  1. 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 14Wed
  1. 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.

Oct 13Tue
Oct 9Fri
  2. Bank of EnglandSource summary68

    CMORG completes SIMEX26 financial sector cloud service outage simulation exercise

    The Cross-Market Operational Resilience Group (CMORG), jointly chaired by Bank of England and UK Finance, completed SIMEX26 on 8 October 2026. The exercise focused on a global cloud service outage and involved 38 of the largest and systemically important banks and market infrastructure operators.

    推荐理由：The exercise demonstrated how the UK financial sector coordinates its response to a global cloud service outage and clearly required institutions to use the findings to strengthen their capabilities to address severe operational and cyber scenarios.

  3. US Federal ReserveSource summary71

    Federal Reserve takes enforcement action against American Express, citing inadequate identification and reporting of money laundering-related suspicious activity

    Federal Reserve took enforcement action against American Express, stating that it failed to adequately identify and report certain suspicious activities related to money laundering. Federal Reserve also found significant deficiencies in the implementation of its enterprise-wide AML program, particularly involving its national bank; OCC has taken separate enforcement action against the bank.

    推荐理由：The enforcement action involves both suspicious activity monitoring and reporting and the execution of an enterprise-wide AML program, highlighting Federal Reserve’s specific areas of concern regarding anti-money laundering management at banking groups.

Oct 7Wed
  1. Bank of EnglandSource summary60

    Bank of England publishes minutes of London FXJSC Legal Subcommittee meeting, focusing on transition to 2026 FX Definitions

    Bank of England published the minutes of the London FXJSC Legal Subcommittee meeting held on June 16, with the 2026 FX Definitions and their implementation arrangements as the main focus. The four-year plan has entered the implementation phase, the SWIFT rulebook is expected to be updated in the summer, and the new definitions are scheduled to transition in November 2027, when the 1998 definitions will cease to apply. The new framework will be unified into a versionable digital system and will provide an implementation roadmap, guidance, and confirmation templates.

    推荐理由：The minutes provide a timeline for the transition from the 1998 definitions for FX contracts to the 2026 version, and set out the digital framework and implementation materials, helping market participants understand what they need to prepare.

  2. Bank of EnglandSource summary68

    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.

Oct 6Tue
Sep 30Wed
  4. FCA (UK)Source summary69

    FCA launches investigation into Euro Exchange Securities UK Ltd

    FCA is investigating whether Euro Exchange Securities UK Ltd may have breached MLRs between 1 February 2020 and 4 June 2026. The investigation covers whether it adequately assessed money laundering risks and whether it established controls for customer due diligence, ongoing monitoring, internal governance, record-keeping, and reporting escalation. FCA had previously required the company to stop providing regulated electronic money and payment services, and had a court appoint an interim manager and a special manager; FCA said the investigation has not reached a conclusion.

    推荐理由：The notice distinguishes between the subject matter of the investigation and any final conclusion, and sets out regulatory focus areas including risk assessment, customer due diligence, ongoing monitoring, and internal governance, providing payment institutions with points of comparison for their AML control frameworks.

  5. FCA (UK)Source summary57

    FCA敦促支付机构改善对脆弱消费者的支持

    FCA表示，支付机构应了解处于脆弱情境的客户需求，并通过设计、调整和测试支持措施来实现良好结果。FCA审查发现，一家服务小企业客户的支付机构通过回拨协助开户，帮助IT能力有限的客户成功管理账户；机构还应利用管理信息、投诉数据和客户反馈持续检查成效。FCA提出五个问题，要求机构评估是否识别并持续支持相关客户，以及董事会或高级管理层是否获得足够信息。

  6. FCA (UK)Source summary58

    FCA提出改善小企业融资可得性的措施

    FCA审查认为，其监管并非小企业获取融资的主要障碍，但微型企业仍面临融资选项认知不足、申请流程复杂、重复检查及抵押品有限等问题。FCA将通过推动更适度的监管框架、把中小企业贷款作为开放金融的重点用例，以及监测数字验证服务来减少融资摩擦；审查重点覆盖对个体经营者和小型合伙企业的£25,000及以下商业贷款。

  7. FCA (UK)Source summary63

    FCA and partner agencies raid 3 London sites suspected of illegal peer-to-peer crypto trading

    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.

  8. FCA (UK)Source summary68

    FCA will take over AML supervision of 60,000 entities in the legal and accounting sectors at the end of 2028

    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.

  10. FCA (UK)Source summary78

    FCA opens authorization applications for cryptoasset firms

    FCA announced that cryptoasset firms can apply for authorization from today, with the UK for the first time bringing cryptoasset firms operating locally under full FCA regulation, covering consumer protection, safeguarding of client assets, market integrity and financial resilience. Firms intending to continue operating in the UK should apply by 28 February 2027; the new regulatory regime will take effect on 25 October 2027. Authorization is not automatic, and firms must demonstrate that they meet FCA requirements.

    推荐理由：The arrangement clarifies the application deadline, assessment criteria and transitional arrangements for cryptoasset firms entering the UK regulatory framework, making it easier for firms and customers to understand the boundaries of future compliance.

  13. FCA (UK)Source summary62

    FCA outlines regulatory direction for next-generation market infrastructure: from experimentation to scaled adoption

    FCA Chief Executive Nikhil Rathi said at a TheCityUK dinner that the UK must move from experimentation to adoption and create the conditions for emerging technologies such as tokenization to scale safely in wholesale markets. FCA has authorized HSBC Orion to provide real-time digital securities custody services, plans to finalize the stablecoin regime before summer, and will jointly publish a tokenization roadmap with the Bank of England while consulting on protection rules for related tokenized investment assets.

    推荐理由：FCA has clearly stated its intention to move from experimentation to scaled adoption and provided timelines for tokenization, stablecoins, and digital securities custody, allowing readers to assess the regulatory direction of the UK’s wholesale market infrastructure.

  14. FCA (UK)Source summary38

    ITI Capital Ltd 进入特别管理程序

    2026年9月25日，ITI Capital Ltd 进入特别管理程序，Teneo Financial Advisory Ltd 的 Duncan Perring 和 David Soden 获任特别管理人。特别管理人将尽快返还客户资金与托管资产，并将在8周内书面告知客户返还计划。客户资金或资产若出现缺口，符合条件的客户可获英国金融服务补偿计划（FSCS）最高 £85,000 的赔付。

Sep 26Sat
  1. Checkout.com BlogSource summary76

    Australia’s 2026 card payment reform: merchants need to know about no-surcharge rules and changes to interchange fee caps

    The Reserve Bank of Australia (RBA) has published the conclusions of the third phase of its review of merchant card payment costs and surcharges. From October 1, 2026, EFTPOS, Mastercard, and Visa will implement rules prohibiting card payment surcharges and lower domestic interchange fee caps; from April 1, 2027, a 1% interchange fee cap will apply to cards issued overseas.

    推荐理由：The original article outlines the three main strands and two effective dates of Australia’s 2026 card payment reform, enabling merchants to assess their own pricing and routing arrangements.

Sep 25Fri
  1. US Federal Reserve — Banking RegulationSource summary78

    Federal Reserve seeks comments on two regulatory proposals for banks issuing payment stablecoins under the GENIUS Act

    The Federal Reserve is seeking public comment on two regulatory proposals for banks issuing payment stablecoins under the GENIUS Act. The first would require regulated issuers to fully back stablecoins with eligible reserve assets such as short-term Treasury bills, and establish standardized capital requirements, risk management standards, and custody rules; the second would establish a tailored application process for banks seeking to issue stablecoins, requiring the submission of a business plan and financial information, and set out procedures for appeals, hearings, and final decisions. The comment period will close 60 days after publication in the Federal Register.

    推荐理由：The Federal Reserve’s proposed rules for implementing the GENIUS Act cover reserve assets, capital, and risk management, giving readers a basis for assessing the compliance threshold for banks issuing stablecoins.

Sep 18Fri
Sep 15Tue
  1. Bank of EnglandSource summary41

    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。

  2. Bank of EnglandSource summary33

    英格兰银行证券借贷委员会2026年3月会议纪要

    Bank of England证券借贷委员会发布2026年3月会议纪要，称业内普遍认为各机构正按计划推进T+1过渡，目标在2027年10月完成。会议还讨论了抵押品约束、资本效率与风险加权资产优化，以及欧盟MISP对代币化资产抵押规则和DLT法律确定性的影响；受益所有人对破产保护、抵押品所有权及双重代币发行仍持谨慎态度。

Sep 11Fri
  1. US Federal Reserve — Banking RegulationSource summary60

    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.

Sep 10Thu
  1. Dogpay BlogSource summary21

    稳定币进入监管、结算与金融基础设施的关键阶段

    稳定币正进入监管、结算与金融基础设施的决定性阶段。Dogpay 母公司 STRATUSPAY FINTECH LIMITED 在加拿大注册，受 FINTRAC 监管，持有 MSB 牌照（C100000785），获准开展外汇、汇款、虚拟货币及支付服务提供商（PSP）业务，并遵循加拿大 AML/CTF 要求。支付产品与持牌机构合作提供，银行卡由各辖区持牌合作伙伴发行。

  2. European Payments Council (SEPA)Source summary54

    EPC 推迟 SEPA 非结构化地址格式迁移截止日期

    欧洲支付委员会（EPC）决定推迟原定 2026 年 11 月 15 日终止非结构化地址格式的截止日期，该决定由支付方案管理委员会于 2026 年 9 月 9 日会议作出。EPC 将在 2026 年 10 月重新开会确定新日期，并更新相关规则文件。EPC 仍建议支付服务商和用户尽可能直接从非结构化地址迁移至完全结构化地址。

Sep 4Fri
Aug 20Thu
Aug 14Fri
  1. CFPBSource summary43

    CFPB 停止在消费者投诉数据库中发布未经核实的投诉叙述与可视化数据

    美国消费者金融保护局（CFPB）宣布停止在消费者投诉数据库中发布未经核实的投诉叙述及相关可视化数据。该局认为此类发布属自行裁量行为，且易造成混淆和误导，并可能损害企业声誉。CFPB 将继续履行法定职责，收集、监测和回应消费者投诉，并按要求通过 FOIA 渠道披露相关数据。

Aug 3Mon
  1. Bank of EnglandSource summary32

    Bank of England 任命 EDMC 主席和副主席

    Bank of England任命Nicholas Segal为Enforcement Decision Making Committee（EDMC）主席、Peter King为副主席，任命自1 August 2026生效。EDMC负责审理Bank在审慎监管、金融市场基础设施、处置、证券化、批发现金分销、关键第三方和票据发行等法定制度下的争议执法案件。EDMC成员任期为五年，最多可连任一届。