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#Compliance

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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
Jul 10Fri
  1. Bank of EnglandSource summary84

    UK financial regulators will begin supervising four critical third parties on July 13, 2026

    After the UK Treasury designated four cloud service and technology providers as critical third parties, the Bank of England, PRA and FCA will begin joint supervision on July 13, 2026. The first institutions include Amazon Web Services EMEA SARL, Google Cloud EMEA Limited, Microsoft Ireland Operations Ltd and Oracle Corporation UK Limited.

    推荐理由：Four global cloud and technology providers have been brought under the UK’s critical third-party supervision framework, while the material also clarifies the scope of supervision and financial institutions’ own outsourcing responsibilities.

Jul 9Thu
Jun 23Tue
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
Jun 3Wed
  1. 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. 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。

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 12Tue
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 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 28Sat
Mar 7Sat
  1. FINTRAC (Canada)Source summary22

    Project Fletcher 调查涉超过$3 million欺诈，8人被捕、5名嫌疑人仍被追查

    Durham Regional Police Service 金融犯罪调查组在Project Fletcher调查中逮捕8人，并追查5名嫌疑人；案件涉及Durham Region一家企业超过$3 million的欺诈。调查发现约270张欺诈支票存入22个银行账户，并存在跨Durham Region、大多伦多地区及全球的洗钱活动。相关指控尚未在法庭得到证实。

Feb 25Wed
  1. FINTRAC (Canada)Source summary33

    FINTRAC 发布加拿大实益所有权要求视频

    FINTRAC 发布视频，讲解加拿大反洗钱和反恐怖融资框架下的实益所有权要求及报告实体的合规义务。除 title insurers 外，所有报告实体在核验 corporations、trusts 和 partnerships 身份时，须获取并合理确认实益所有权信息；corporation 的直接或间接持股或控制达到 25% 的个人须被识别。

Feb 19Thu
  1. FINTRAC (Canada)Source summary40

    背景说明：FINTRAC设立新的联络职能以支持打击勒索活动

    加拿大FINTRAC将设立专门联络职能，通过加快生成和共享战术金融情报，支持打击勒索活动。金融情报联络官将部署到British Columbia、Alberta和Ontario等重点地区，与执法机构开展现场合作；重配的情报官员将加速涉及勒索所得的金融情报披露，并识别相关洗钱指标。该机制借鉴FINTRAC于2025年启动的快速情报生产模型试点，为警方提供更及时的情报支持。

Feb 12Thu
Feb 10Tue
  1. FINTRAC (Canada)Source summary48

    FINTRAC 对 Century 21 Heritage Group Ltd. 处以 $148,912.50 行政罚款

    FINTRAC宣布，已对安大略省房地产经纪公司 Century 21 Heritage Group Ltd. 处以 $148,912.50 行政罚款，因其未在有合理理由怀疑交易涉及洗钱或恐怖活动融资犯罪时提交可疑交易报告。该罚款于2025年12月10日作出。FINTRAC表示，可疑交易报告对生成供执法和国家安全机构使用的金融情报至关重要。

Feb 5Thu
Jan 12Mon
  1. CFPBSource summary52

    CFPB 与司法部撤回关于非公民借款人公平放贷的联合声明

    美国消费者金融保护局（CFPB）与司法部宣布撤回2023年10月发布的关于非公民借款人公平放贷的联合声明。该声明曾警告，贷款机构基于移民或公民身份的政策可能违反《平等信贷机会法》（ECOA）及B条例的歧视禁令。撤回旨在避免与ECOA及B条例的明文规定冲突，并明确贷款机构在必要时可合法考虑移民身份，以规避金融风险并遵守其他法律。

Dec 20Sat
Dec 19Fri
Dec 18Thu
Dec 16Tue
  1. Checkout.com BlogSource summary62

    Checkout.com 梳理主要全球市场 BNPL 监管变化

    Checkout.com 梳理了 BNPL 在英国、美国、澳大利亚、欧盟、瑞典和新加坡等市场的监管框架，指出其正从电商便利支付选项转向受到监管的短期信贷产品。英国计划在 2026 年年中让大多数 BNPL 提供商接受 FCA 监管，澳大利亚的新制度已于 2025 年 6 月全面生效并要求提供商持有信贷牌照、履行负责任放贷义务和开展信贷评估。

Dec 12Fri
Dec 8Mon
Nov 21Fri
  1. CFPBSource summary63

    CFPB supervision division issues a “humility pledge” and adjusts its examination approach

    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.

Jul 11Fri
  1. CFPBSource summary64

    CFPB and FirstCash reach settlement over Military Lending Act violations

    CFPB reached a settlement with FirstCash and its 19 subsidiaries, resolving litigation alleging violations of the Military Lending Act. CFPB said the relevant pawn loans offered to protected borrowers had annual percentage rates exceeding 36%, while the loan agreements also required arbitration and lacked required disclosures. The order requires the defendants to set aside $5 million in compensation for thousands of loans involving affected servicemembers and their families, pay a $4 million penalty to the CFPB victims relief fund, and comply with the Military Lending Act.

    推荐理由：The settlement involves the 36% annual percentage rate cap, mandatory arbitration and loan disclosure obligations, and specifies relief arrangements for affected servicemembers and their families.

May 15Thu
  1. CFPBSource summary61

    CFPB amends Wise remittance business consent order, reducing penalty to approximately $45,000

    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.

May 6Tue
  1. CFPBSource summary67

    CFPB Will No Longer Prioritize Enforcement Actions Based on BNPL-Related Documents

    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.