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.
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.
The UK’s Retail Payments Infrastructure Board (RPIB) has launched a consultation on the design of the next-generation retail payments infrastructure, seeking views for a future infrastructure blueprint. The consultation covers payment flows, key design choices and priorities, and considers supporting point-of-sale account-to-account payments and enhanced cross-border payments while retaining existing functionality.
推荐理由：The consultation brings account-to-account payments, cross-border payments and integration with existing systems into the design scope, and the feedback will influence the high-level plan for the UK’s next-generation retail payments infrastructure.
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.
BIS said the next-generation monetary and financial system should incorporate tokenization technology into a two-tier financial system underpinned by central and commercial banks, while addressing weaknesses in existing stablecoin architectures. BIS noted that current stablecoin designs have shortcomings in the singleness of money, redeemability, and interoperability across ledgers, while widespread adoption could also affect bank funding, credit supply, and financial stability. The report proposed using a unified ledger to integrate different forms of tokenized money, and presented Project Agorá as a cross-border wholesale payments prototype involving eight central banks and more than 40 regulated institutions.
推荐理由：BIS places stablecoin redeemability, financial stability risks, and the unified ledger solution within the same policy framework, and uses Project Agorá to illustrate the application potential of cross-border wholesale payments.
Bank of England released a policy statement for systemic stablecoin issuers and draft rules for the Code of Practice, advancing the development of the UK stablecoin regulatory framework. The rules raise the maximum proportion of reserve assets held in interest-bearing assets from 60% to 70%, with the remaining assets held as central bank deposits, and set an initial temporary issuance guardrail of £40 billion for each systemic stablecoin. The consultation on the draft rules closes on 22 September 2026. Bank of England plans to finalise the rules by the end of 2026, and regulated stablecoins may operate in the UK from 2027.
推荐理由：The materials clarify reserve asset allocation and issuance guardrails for systemic stablecoins, providing concrete parameters for issuers to assess their business scope and compliance arrangements under the UK regulatory framework.
On June 18, 2026, the Federal Reserve Board sought comment on a proposal that would require certain payment stablecoin issuers to maintain effective customer identification programs. The proposal would introduce customer identification requirements comparable to those for banks and credit unions, and would be jointly issued by the Federal Reserve Board and four other agencies; comments should be submitted within 60 days after the proposal is published in the Federal Register.
推荐理由：The proposal would align customer identification requirements for certain payment stablecoin issuers with those for banks and credit unions, while specifying the comment period, making it easier to assess the scope of their compliance obligations.
Bank of England published a service change roadmap in the minutes of the inaugural RTGS CHAPS Industry Forum meeting, with CHAPS to open from 1:30 in September 2027.
推荐理由：The material outlines the schedule of changes to RTGS and CHAPS from 2026 through 2028 and beyond, including key arrangements for opening hours, APIs and settlement resilience.
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。
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.
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。