2026年8月6日 美国东部时间下午6:15 / 哥伦比亚广播公司新闻
作者：理查德·埃斯科贝多
美国财政部长斯科特·贝森特表示，特朗普政府正迅速行动，打击犯罪集团、贩毒团伙以及无证移民利用美国金融系统实施薪资计划、非法融资和其他欺诈行为。
在周四对亚利桑那州银行家发表的讲话中，贝森特称：“本届政府不会容忍对我们金融系统的公然滥用，也不会允许向非法外籍人士提供金融服务所带来的风险。”
他对银行家们表示，政府正依靠他们的协助，切实打击那些非法滞留美国人员实施的欺诈和金融计划。
“我们并不要求银行承担边境执法的负担，”贝森特说，“但我们依赖银行发挥你们最擅长的工作：了解你的客户，识别出现的风险，并在可疑模式演变为犯罪计划之前进行举报。”
此次重启的打击行动源于特朗普总统5月签署的一项行政令，该指令要求财政部和联邦银行监管机构加强对与未经授权就业相关的金融活动的监管。
特朗普总统于5月19日签署了这项题为“恢复美国金融系统诚信”的行政令，指示财政部、联邦储备委员会、货币监理署、联邦存款保险公司、全国信用合作社管理局以及消费者金融保护局加强客户身份识别和尽职调查规则，并重新评估银行如何为无工作许可的借款人评估信贷风险。
该行政令还设定了实施时间表：相关咨询和指导意见需在60天内出台，客户尽职调查规则提案需在90天内提交，客户身份识别提案需在180天内，也就是11月前完成。
贝森特表示，财政部已经完成了该行政令的首批时限要求。今年6月，金融犯罪执法网络发布了指导意见，帮助银行识别与非法就业、劳务中介、空壳公司、薪资税逃税和身份盗窃相关的模式。
货币监理署随后发布了一项关于向无美国工作许可借款人放贷的咨询意见，指示银行将借款人的“还款意愿和还款能力”作为标准放贷审批的一部分。
贝森特称，亚利桑那州的合规计划、员工培训、可疑活动报告和信息共享，正是该行政令所设想的那种合作模式。
作为回报，贝森特表示，财政部致力于为银行提供更好的工具，以便及早发现欺诈行为，并承诺华盛顿的官员将更认真地听取社区银行家的意见。
法律和税务分析师警告称，该行政令的有效性将取决于监管规则的制定方式。在6月3日的一份客户警示中，德贝维尤与普林斯顿律师事务所指出，该行政令并未对银行施加新的合规义务，但确实启动了可能重塑反洗钱合规、客户尽职调查和放贷标准的机构行动。
消费者金融保护局也正在权衡，借款人被驱逐的风险和工资损失是否应作为判断其偿还贷款能力的因素。该律所指出，该行政令并未采纳此前一项更为全面的提案，该提案原本要求银行对所有客户的公民身份进行核实。
毕马威华盛顿全国税务部门6月发布的一份分析报告同样将该行政令描述为“一项政策信号，而非对任何法律、规则或条例的即时修改”。
但该公司警告称，如果此次审查导致更严格的“了解你的客户”要求，跨国雇主和全球外派项目可能会出现账户开户放缓的情况，对于依赖个人纳税人识别号而非社会保障号码的员工，文件要求也会增加。这类人群可能包括合法留在美国的工作人员，以及无合法居留权限的人员。
联邦监管机构需在7月20日前发布信贷风险指导意见和消费者金融保护局的还款能力澄清文件，而财政部需在8月17日前提交客户尽职调查规则的修改提案。一项更广泛的客户身份识别提案需在11月16日前提交。
Bessent says Trump admin. is cracking down on undocumented immigrants’ use of U.S. financial system
August 6, 2026 6:15 PM EDT / CBS News
By Richard Escobedo
Treasury Secretary Scott Bessent says the Trump administration is moving quickly to crack down on criminal enterprises, cartels and undocumented immigrants using the U.S. financial system for their payroll schemes, illicit financing and other fraud.
In remarks to Arizona bankers Thursday, Bessent said, “This administration will not tolerate blatant abuse of our financial system, nor will it permit risks posed by the extension of financial services to illegal aliens.”
He told the bankers the administration is relying on their help to make good on its efforts to root out fraud and financial schemes carried out by those in the U.S. illegally.
“We do not ask bankers to assume the burdens of border enforcement,” Bessent said. “But we depend on banks to do what you do best: know your customers, identify risks as they arise, and report suspicious patterns before they metastasize into criminal schemes.”
The renewed effort stems from an executive order President Trump signed in May directing Treasury and federal banking regulators to tighten oversight of financial activity linked to unauthorized employment.
The president signed the order, titled “Restoring Integrity to America’s Financial System,” on May 19 and directed the Treasury Department, Federal Reserve, Office of the Comptroller of the Currency, FDIC, National Credit Union Administration and Consumer Financial Protection Bureau to strengthen customer identification and due-diligence rules and to reassess how banks weigh credit risk for borrowers without work authorization.
The order also set a timetable to implement the order, with advisories and guidance due within 60 days, a proposed customer due-diligence rule within 90 days and a customer identification proposal within 180 days, by November.
Bessent said the Treasury Department has met the order’s first deadlines. In June, the Financial Crimes Enforcement Network issued guidance to help banks spot patterns tied to unlawful employment, labor brokers, shell companies, payroll tax evasion and identity theft.
The Office of the Comptroller of the Currency followed with an advisory on lending to borrowers not authorized to work in the U.S., instructing banks to weigh a borrower’s “willingness and capacity to repay” as part of standard underwriting.
Bessent said Arizona’s compliance programs, employee training, suspicious-activity reporting and information-sharing reflect the kind of partnership the executive order envisions.
In return, Bessent said, the Treasury Department is committed to giving banks better tools to catch fraud early, and he promised officials in Washington would listen more closely to community bankers.
Legal and tax analysts caution that the order’s effectiveness will depend on how the regulations are written. In a June 3 client alert, law firm Debevoise & Plimpton noted the order doesn’t impose new compliance obligations on banks, though it does start agency actions that could reshape anti-money-laundering compliance, customer due diligence and lending standards.
The CFPB is also weighing whether borrowers’ risk of deportation and lost wages should be factors in determinations of their ability to repay loans. The firm noted the order stopped short of an earlier, more sweeping proposal that would have required banks to verify citizenship status for all customers.
An analysis in June from KPMG’s Washington National Tax practice similarly described the order as “a policy signal rather than an immediate change to any law, rule, or regulation.”
But the firm warned that if the review leads to stricter know-your-customer requirements, multinational employers and global mobility programs could see a slowdown in account openings and an increase in documentation demands for employees who rely on Individual Taxpayer Identification Numbers rather than Social Security numbers. This is a group that may include workers who are lawfully in the U.S., as well as those without authorization.
Federal regulators had until July 20 to issue credit-risk guidance and the CFPB’s ability-to-repay clarification, while the Treasury Department faces an Aug. 17 deadline to propose changes to customer due-diligence rules. A broader customer identification proposal is due by Nov. 16.
发表回复