美联储对美国运通下达执法令：反洗钱监控存在重大缺陷 货币监理署同步罚款3.5亿美元
美联储10月8日宣布，对美国运通公司（American Express Company）采取执法行动，指出该公司未能充分侦测和报告与洗钱有关的可疑活动，其全公司范围的反洗钱计划在执行上存在重大缺陷，问题在其子公司美国运通国家银行（American Express National Bank）尤为突出。
美联储的行动为经同意下达的停止令（第26-052-B-HC号），对象包括美国运通公司及其旅行相关服务公司两家银行控股公司，要求其整改合规体系。同步行动中，作为该国家银行主要监管者的货币监理署（OCC）对美国运通国家银行下达停止令并处以3.5亿美元民事罚款。
美联储表示，本次行动将确保该公司在经营中遵守美国全部法律法规。美国运通国家银行总部位于犹他州桑迪市。
Federal Reserve Orders American Express to Fix Money-Laundering Controls; OCC Fines Bank $350 Million
The Federal Reserve Board announced on October 8 an enforcement action against American Express Company to address, among other things, the firm's failure to sufficiently detect and report certain suspicious activity related to money laundering.
The Board said it identified significant deficiencies in how the company's enterprise-wide anti-money laundering program was implemented, in particular at its subsidiary, American Express National Bank of Sandy, Utah. The Board's consent cease-and-desist order (Docket No. 26-052-B-HC) covers American Express Company and American Express Travel Related Services Company, the firm's two bank holding companies, and requires compliance reforms. In a parallel action, the Office of the Comptroller of the Currency — the bank's primary federal regulator — issued its own cease-and-desist order against the bank together with a $350 million civil money penalty.
The Board said its action will help ensure that the firm operates in compliance with all U.S. laws and regulations.
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图片来源：图：美联储总部埃克尔斯大楼（2025年摄）。摄影：G. Edward Johnson，CC BY 4.0，来源：Wikimedia Commons / Photo: The Marriner S. Eccles Federal Reserve Building in Washington, D.C. Credit: G. Edward Johnson, CC BY 4.0, via Wikimedia Commons
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