财政部FinCEN与美联储撤回跨境转账降门槛提案：250美元计划作废、3,000美元门槛不变
美国财政部金融犯罪执法局（FinCEN）11月6日宣布，与美联储理事会共同撤回一项2020年提出的拟议规则。该提案原本要把跨境资金转账的信息记录与传递门槛从3,000美元降到250美元，撤回后，现行3,000美元门槛保持不变。
按原提案，在美国境外开始或结束的资金转移与资金传送，只要达到250美元，金融机构就要按《银行保密法》下的记录保存规则（Recordkeeping Rule）收集、保存发送人与收款人的信息，并按旅行规则（Travel Rule）在支付链中向其他金融机构传递这些信息；境内转账的门槛则仍为3,000美元。提案还打算明确，这两项规则适用于涉及可转换虚拟货币以及具有法定货币地位的数字资产的交易。
两家机构的联合撤回通知已于11月6日提交《联邦公报》公开查阅，文号为2026-22809，定于11月9日正式刊登，撤回自刊登之日起生效。通知写明，两家机构不会再就该提案采取进一步行动。
FinCEN在公告中说，这项提案提出至今已超过五年，其间数字资产行业与相关环境已发生明显变化；撤回是为了向公众明确，不会未经再次公开征求意见就直接出台最终规则。未来如再作类似修改，须先重新征求公众意见。
对银行、汇款机构与虚拟货币交易平台而言，这意味着眼下没有新增义务：跨境转账达到3,000美元时现行的记录保存与旅行规则要求照旧执行，原有的反洗钱与客户识别义务也不受这次撤回影响。（来源：美国财政部金融犯罪执法局）
FinCEN and the Federal Reserve Withdraw Proposal to Lower Cross-Border Transfer Threshold to $250, Keeping the $3,000 Rule
The Financial Crimes Enforcement Network (FinCEN), part of the U.S. Department of the Treasury, announced on November 6 that it is jointly withdrawing, with the Board of Governors of the Federal Reserve System, a proposed rule first issued in 2020. The proposal would have lowered the information recordkeeping and transmission threshold for cross-border funds transfers from $3,000 to $250; with the withdrawal, the existing $3,000 threshold remains in place.
Under the original proposal, funds transfers and transmittals of funds that begin or end outside the United States would, at $250 or more, have required financial institutions to collect and retain sender and recipient information under the Bank Secrecy Act's Recordkeeping Rule and to transmit that information to other financial institutions in the payment chain under the Travel Rule, while the threshold for domestic transfers would have stayed at $3,000. The proposal would also have clarified that the two rules apply to transactions involving convertible virtual currencies and digital assets with legal tender status.
The agencies' joint withdrawal notice was filed for public inspection with the Federal Register on November 6, as document 2026-22809, and is scheduled for publication on November 9, when the withdrawal takes effect. The notice states that the agencies will not take further action on the proposal.
FinCEN said in its announcement that more than five years have passed since the proposal was issued and that the digital asset industry and related landscape have changed significantly in that time; the withdrawal is intended to make clear to the public that no final rule will be issued without an additional opportunity for public comment. Any similar future change would first go through a new public comment process.
For banks, money transmitters and virtual currency platforms, the practical effect is that there is no new obligation for now: the existing recordkeeping and Travel Rule requirements at the $3,000 level for cross-border transfers continue as before, and existing anti-money-laundering and customer identification duties are unaffected by the withdrawal. (Source: Financial Crimes Enforcement Network)
来源：美国财政部金融犯罪执法局
发布：GSM·美国（发布链接）
图片来源：图：位于华盛顿的美国财政部大楼。照片：财政部固定图库（公共领域）。 / Photo: The U.S. Treasury Building in Washington. Photo from the Treasury fixed asset library (public domain).
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