Skip to content

#Regulation

Today 0 items
Sep 30Wed
  1. 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.

  2. 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。

  3. 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。

  4. 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.

  5. 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.

  7. 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.

  11. 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.

  12. 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。

  14. PYMNTSSource summary27

    即将离任的SEC委员Hester Peirce：加密货币实际使用将使监管更稳固

    即将离任的美国SEC委员Hester Peirce表示，随着人们在新的监管框架下习惯使用加密货币，未来将更难撤销这些技术。她于9月25日在X平台宣布辞职，10月2日生效，之后将赴Regent University法学院任教。Peirce仍对《Clarity Act》通过抱有希望，并认为SEC有责任继续运用其权力制定规则。

Sep 29Tue
  3. CoinDeskSource summary38

    民主党否决《Clarity Act》：数字资产监管立法受阻

    上周美国参议院投票中，无一名民主党议员支持推进《Clarity Act》，该数字资产监管法案未能进入下一程序。法案旨在为数字资产建立监管规则、降低日常交易成本，共和党人称已纳入民主党提出的120余项修改要求，仍遭否决。作者呼吁SEC和CFTC在国会立法期间先行明确数字资产监管规则。

  4. Fintech News Hong KongSource summary40

    香港监管机构将审计合作范围扩大至加密企业与基金

    香港证监会（SFC）与会计及财务汇报局（AFRC）签署新谅解备忘录，将合作范围从上市公司财务报告与审计，扩展至持牌法团、SFC 持牌虚拟资产服务提供商（VASP）、SFC 认可基金及注册开放式基金公司。双方可就共同监管事项共享信息、转介个案并协调检查与调查，为虚拟资产行业提供正式协作渠道。该协议取代双方 2021 年签署的备忘录。

Sep 28Mon
  2. Payments DiveSource summary78

    Federal Reserve proposes stablecoin rules requiring issuers to fully back them with Treasury bills and other high-quality assets

    The Federal Reserve proposed stablecoin rules requiring issuers to back them with Treasury bills and other high-quality liquid assets, while setting capital requirements and risk management standards for issuing institutions. The rules also cover the process for banks to apply to issue stablecoins and impose restrictions on Federal Reserve-supervised institutions that hold reserve assets in custody. The Federal Reserve said stablecoins should be considered stable only if they can be reliably redeemed at par under all conditions. The proposal will be open for 60 days of public comment after publication in the Federal Register.

    推荐理由：The Federal Reserve's first proposed rules for stablecoin issuance clarify reserve asset requirements and the application process for banks issuing stablecoins, making them a key milestone for understanding the implementation of the US stablecoin regulatory framework.

  5. Payments Cards & MobileSource summary52

    六家全球银行联合为智能体商务制定信任与责任框架

    美国银行、NatWest、ING、Capital One、澳大利亚联邦银行和ASB银行联合发布智能体商务框架，覆盖透明度、安全、隐私与数据、消费者选择和互操作性五个领域。Visa本月研究显示，仅23%的美国消费者信任生成式AI代为处理支付交易，但当Visa负责交易安全时该比例升至61%。银行警告，AI代理在选购、选择支付方式并执行交易时，消费者对代理权限和出错时的责任归属缺乏明确认知。

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。

Jul 31Fri
  1. US Federal Reserve — Banking RegulationSource summary40

    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。

Jul 16Thu
  1. 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 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
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.