香港银行将大埔火灾贷款纾困措施延长至2027年5月
香港金管局与香港银行公会延长大埔火灾受影响个人的信贷支持措施至2027年5月底。香港全部28家零售银行继续为受影响人士的现有按揭、个人贷款及信用卡贷款提供本金和利息还款宽限期。当局于2026年3月首次推出该支持措施，以配合政府对王福苑的长期住房安排。
#Banking
Today 0 itemsFintech News Hong KongSource summaryAI score2323 Banking DiveSource summaryAI score4848 加州 Nano Banc 倒闭，2026 年银行倒闭数已超本十年其他年份
加州尔湾的 Nano Banc 于周五倒闭，成为 2026 年第六家倒闭的美国银行，使该年银行倒闭数量超过 2023 年的五家，为本十年最多。犹他州 Sunwest Bank 通过 FDIC 协议承接 Nano 约 4.76 亿美元资产、6.05 亿美元存款及 2.27 亿美元贷款，其唯一分行周一以 Sunwest 网点重新开业。
Banking DiveSource summaryAI score4040 FDIC 对“严重资本不足”的 Old Glory Bank 下达整改指令
美国联邦存款保险公司（FDIC）对俄克拉何马州 Old Glory Bank 发出即时纠正措施指令，因其截至 6 月 30 日杠杆率为 2.69%，被列为“严重资本不足”。
Payments Cards & MobileSource summaryAI score6262 英国七大银行完成首批代币化存款真实交易
英国七大银行通过 Great British Tokenised Deposit 计划完成首批代币化英镑存款真实客户交易，用例包括两笔再抵押贷款和一笔市场交易，资金在条件满足前被锁定。代币化存款仍是商业银行存款的数字化表示，保留现有监管保护并增加可编程和条件结算功能。下一步计划围绕数字资产结算展开试验。
US Federal ReserveSource summaryAI score1818 美联储批准 Peoples Bancorp Inc. 收购 Citizens National Corporation 申请
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。
US Federal Reserve — Banking RegulationSource summarySelectedAI score7878 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.
Bank of EnglandSource summaryAI score4141 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。
US Federal Reserve — Banking RegulationSource summarySelectedAI score6060 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.
Dogpay BlogSource summaryAI score1010 非洲增长攻势面临持续的信贷与电力缺口
Dogpay页面披露，STRATUSPAY FINTECH LIMITED 在加拿大注册，并由 FINTRAC 按 MSB 监管，牌照号为 C100000785，获授权开展外汇、汇款、虚拟货币及支付服务商（PSP）业务。其支付产品与持牌机构合作提供，银行卡由各司法辖区持有相应牌照的合作伙伴发行，并遵守加拿大 AML/CTF 要求。
Checkout.com BlogSource summaryAI score3838 Checkout.com 欧洲与英国支付指南：如何掌握区域支付要点
Checkout.com 欧洲商业负责人撰文解析欧洲与英国支付市场。EEA 允许持一国收单牌照的 PSP（如 Checkout.com）直接服务整个区域，无需在各成员国设立法人实体，可集中运营并降低成本。
US Federal ReserveSource summaryAI score2727 美联储理事会批准 National Westminster Bank Plc 在康涅狄格州斯坦福德设立代表处
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 ReserveSource summaryAI score3333 US Federal Reserve理事会批准 Coastal Bend Bancshares 收购 First National Bank in Port Lavaca
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。
Plaid BlogSource summaryAI score2020 Plaid 2026年8月产品更新：新增Fidelity支持、MCP Early Access及多项验证与风控改进
Plaid 8月产品更新：Fidelity现已在Link、/institutions/get和Dashboard中作为受支持机构上线，用户可在Link中置顶并在Dashboard申请访问权限。
US Federal Reserve — Banking RegulationSource summaryAI score4040 美联储就互惠银行组织规则现代化提案征求意见
美联储7月31日就互惠银行组织规则现代化提案征求意见。互惠银行由储户而非股东所有，逾90%总资产低于30亿美元；相关规则1993年制定以来未更新，被指过于繁琐复杂。提案将明确可计入监管资本的票据类型并减少程序性负担，征求意见期为《联邦公报》发布后60天。
Bank of EnglandSource summarySelectedAI score7979 Bank of England FPC maintains UK countercyclical capital buffer rate at 2% and warns of frontier AI risks to financial stability
The Bank of England Financial Policy Committee (FPC) maintained the UK countercyclical capital buffer (CCyB) at 2% and said the rapid development of frontier AI is increasing financial stability risks through cybersecurity and operational resilience channels. The Committee also proposed measures to adjust the bank leverage ratio framework and supported a policy statement and draft code of conduct for systemic sterling stablecoins.
推荐理由：The material incorporates AI-related asset valuations, financing expansion and cyber risks into its financial stability assessment, and sets out specific policy arrangements for the CCyB and bank capital rules.
Plaid BlogSource summaryAI score5454 Plaid 发布 2026 年 7 月产品更新：扩展 ACH 汇款与游戏支付、ACATS 覆盖翻倍、新增欺诈标签与 AI 检测
Plaid 发布 2026 年 7 月产品更新：Transfer 和 Guaranteed Payments 新增汇款与游戏行业支持，汇款资格限于在美国金融机构持有钱包且资金与汇款流分离的成熟服务商；Investments Move 的 ACATS 覆盖扩展至约 2,700 家机构，较此前翻倍。
Plaid BlogSource summaryAI score2828 消费者选择、消费者保护与金融的未来
Plaid正与客户、AI提供商及金融机构合作，确保AI驱动的金融体验在扩大消费者选择的同时同步强化数据保护。目前，消费者已可通过Plaid将金融数据分享给OpenAI、Perplexity等数百个AI原生应用，这些公司均同意遵守金融机构要求的同一数据保护标准。
Plaid BlogSource summaryAI score4141 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。
Plaid BlogSource summaryAI score4040 Plaid 2026年6月产品更新：强化账户验证、信贷核保与身份核验
Plaid发布6月产品更新，新增后台API银行账户验证、扩展房贷收入与资产核验，并改进Credit Dashboard、Identity Verification及Open Finance断开时间提示。
US Federal Reserve — Banking RegulationSource summarySelectedAI score6161 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.
European Payments Council (SEPA)Source summaryAI score3636 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。