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#AML

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Sep 30Wed
  1. 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.

  2. 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.

  3. FCA (UK)Source summary42

    FCA：金融机构关闭大量疑似钱骡账户，但需加大打击力度

    英国FCA调查显示，金融机构近年关闭的疑似钱骡账户持续增加：2025年达238,396个，高于2024年的233,269个和2023年的184,935个。26至39岁客户被关闭账户最多（91,073个），40至49岁增幅最大。FCA发现犯罪分子常在第二至第五个账户间提现，并已联合行业制定行动计划，加强情报共享。

Sep 29Tue
  1. Dogpay Blog (中文)Source summary34

    DogPay：四个确定性

    STRATUSPAY FINTECH LIMITED 在加拿大注册成立，受 FINTRAC 监管，并登记为货币服务业务（MSB），牌照编号为 C100000785。公司获授权开展外汇兑换、货币汇款、虚拟货币及支付服务提供商（PSP）相关活动，完全遵守加拿大 AML 和 CTF 要求。DogPay 支付产品通过持牌机构合作提供，卡片由在相应管辖区持牌的合作伙伴发行。

  2. Dogpay Blog (中文)Source summary10

    四个确定性

    DogPay 运营主体 STRATUSPAY FINTECH LIMITED 在加拿大注册成立，受 FINTRAC 监管，持有 MSB 牌照（编号 C100000785），获授权开展外汇兑换、货币汇款、虚拟货币及 PSP 相关活动。公司完全遵守加拿大 AML 和 CTF 要求，支付产品通过与持牌机构合作提供，卡片由持相应牌照的合作伙伴发行。

Sep 26Sat
Sep 25Fri
Sep 24Thu
  2. FINTRAC (Canada)Source summary38

    FINTRAC 对 Pathwise Credit Union 处以行政罚款

    FINTRAC 对总部位于安大略省奥沙瓦的 Pathwise Credit Union 处以 41,250 美元行政罚款，原因是其违反《犯罪所得（洗钱）与恐怖主义融资法》及配套法规。违规行为包括未能制定并更新书面合规政策与程序，以及未能评估和记录洗钱或恐怖主义融资风险。Pathwise Credit Union 已全额缴纳罚款，案件已了结。

  3. FINTRAC (Canada)Source summary33

    FINTRAC 对 Your Neighbourhood Credit Union Limited 处以行政罚款

    FINTRAC 对总部位于安大略省 Kitchener 的省级信用合作社 Your Neighbourhood Credit Union Limited 处以 16,500 美元行政罚款，原因是其未制定并应用由高级管理人员批准且保持更新的书面合规政策与程序，违反《犯罪所得（洗钱）与恐怖融资法》第一部分。该信用合作社已全额缴纳罚款，案件已了结。

Sep 23Wed
Sep 18Fri
  1. Dogpay Blog (中文)Source summary13

    稳定币的机构化时刻——Arc

    STRATUSPAY FINTECH LIMITED 在加拿大注册成立，受 FINTRAC 监管并注册为货币服务业务（MSB），牌照编号为 C100000785。公司获授权开展外汇兑换、货币汇款、虚拟货币及支付服务提供商（PSP）相关活动，并遵守 AML 和 CTF 要求；支付产品与持牌机构合作提供，卡片由合作伙伴发行。

Sep 3Thu
  1. FINTRAC (Canada)Source summary38

    FINTRAC 对新不伦瑞克省博彩公司处以行政罚款

    FINTRAC 于 2026 年 7 月 24 日对新不伦瑞克省博彩公司处以 399,712.50 美元行政罚款，原因是该公司未按规定提交可疑交易报告，违反《犯罪收益（洗钱）与恐怖主义融资法》及配套法规。该公司已全额缴纳罚款，案件已了结。FINTRAC 在 2025-26 年度共发出 35 份违规通知，总额超过 2.47 亿美元，创历史新高。

  2. FINTRAC (Canada)Source summary38

    FINTRAC 对 Nova Scotia Gaming Corporation 处以行政罚款

    FINTRAC 对总部位于哈利法克斯的赌场报告实体 Nova Scotia Gaming Corporation 处以 $231,826 行政罚款，原因是其违反《犯罪所得（洗钱）与恐怖主义融资法》及配套条例。违规行为包括未提交可疑交易报告、未制定并应用合规政策与程序，以及未评估和记录洗钱与恐怖主义融资风险。该公司已全额缴纳罚款，案件了结。

Aug 6Thu
Jul 21Tue
  1. FINTRAC (Canada)Source summary10

    加拿大FINTRAC联合人口贩运调查：三人被捕，警方寻找更多受害者

    加拿大金融交易与报告分析中心（FINTRAC）的金融情报在渥太华警方开展的一项跨辖区人口贩运调查中获得认可。渥太华地区三人被捕，并被指控多项与人口贩运相关的罪名。FINTRAC利用从加拿大各地企业收到的金融交易报告，为执法和国家安全调查提供协助。

Jul 16Thu
  2. FINTRAC (Canada)Source summary69

    FINTRAC updates anti-money laundering and sanctions evasion requirements for financial transactions involving FATF-related countries

    On July 15, 2026, FINTRAC updated its advisory on financial transactions involving countries of particular concern to FATF, outlining the anti-money laundering and sanctions evasion obligations of Canadian reporting entities for transactions related to DPRK, Iran and Myanmar. Transactions related to DPRK and Iran must be treated as high risk and require identity verification, customer due diligence and record-keeping; all transactions related to Iran must also be reported to FINTRAC. For transactions related to Myanmar, entities must assess the requirements for suspicious transaction reporting and enhanced due diligence. The FATF list of jurisdictions under increased monitoring includes 22 jurisdictions, while Algeria and Namibia have been removed from the list.

    推荐理由：The material distinguishes the obligations for DPRK, Iran, Myanmar and the FATF monitoring list, making it easier for Canadian reporting entities to check high-risk transactions, enhanced due diligence and reporting requirements.

Jul 9Thu
Jul 8Wed
  1. US Federal Reserve — Banking RegulationSource summary62

    Federal Reserve Seeks Comment on Revisions to Bank Anti-Money Laundering Program Requirements

    The Federal Reserve is seeking comment on a proposal to revise bank anti-money laundering program requirements. The proposal would require banks to allocate anti-money laundering resources based on risk, incorporate FinCEN’s anti-money laundering priorities into risk assessments, and focus on significant execution failures. Comments are due within 60 days after publication in the Federal Register.

    推荐理由：The Federal Reserve plans to shift anti-money laundering supervision toward a risk-based approach and focus on significant execution failures, allowing banks to anticipate adjustments to compliance resources and examination priorities.

Jun 23Tue
  1. FINTRAC (Canada)Source summary65

    FINTRAC updates guidance, reporting forms and technical documentation for Iran-related transactions

    On June 23, FINTRAC updated the guidance, reporting forms and technical documentation related to the directive of the Minister of Finance of the Islamic Republic of Iran. The new requirements treat all transactions originating in or destined for Iran, regardless of amount, as high-risk transactions, requiring verification of the identity of each requesting or beneficiary client, customer due diligence, documentation of the source of funds or virtual currency and the purpose of the transaction, and reporting to FINTRAC. Transactions below the usual reporting thresholds must be reported using the applicable report and flagged “IR2020”. Casinos may continue using suspicious transaction reports to report below-threshold payments until December 23, 2026.

    推荐理由：FINTRAC has applied the identification, due diligence, record-keeping and reporting requirements for Iran-related transactions to different forms and thresholds, enabling compliance teams to adjust their processes accordingly.

Jun 22Mon
  1. FINTRAC (Canada)Source summary58

    FINTRAC更新私营机构间信息共享指引

    FINTRAC更新指引，说明报告实体如何依据《犯罪收益法》第11.01条，自愿在经批准的行为准则下共享个人信息，以识别和遏制洗钱、恐怖主义融资及制裁规避。参与方须将行为准则提交FINTRAC和加拿大隐私专员办公室，并获后者批准；获批后共享信息可用于客户风险评估、持续监测及提交可疑交易报告。

Jun 18Thu
  1. FINTRAC (Canada)Source summary40

    FINTRAC 发布抵押贷款行业合规情景视频

    FINTRAC 发布面向抵押贷款行业的信息视频，说明抵押贷款管理人、经纪人和贷款机构在相关反洗钱与反恐融资法规下的合规要求。视频以新客户贷款和续贷为例，要求留存客户信息及贷款记录、核验身份、记录业务关系目的和预期性质、持续监测，并识别交易第三方及政治公众人物或国际组织负责人；续贷时若此前已按规定完成身份核验且对信息无疑问，可免于再次核验。

Jun 17Wed
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 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 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 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 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.

Mar 23Mon