2026-10-14 16:42:04 EDT / 哥伦比亚广播公司新闻
撰稿
2026年10月14日 / 美国东部时间下午4:42 / 哥伦比亚广播公司新闻
根据美国财政部货币监理署发布的一份报告，美国顶级银行曾因客户的政治或宗教观点以及商业活动而“拒绝对其提供金融服务”。
这份于周三发布的报告针对的是特朗普总统所称的针对保守派群体的歧视性做法。部分加密货币投资者也曾揭露类似问题，称他们的账户被关闭是因为银行不愿为加密行业客户提供服务。
货币监理署表示，这份报告是依据特朗普2025年签署的行政令制定的，该行政令要求联邦银行监管机构对投诉展开调查，找出因客户观点而拒绝提供服务的金融机构。
一些保守派人士辩称自己遭到了金融机构的不公平针对，但货币监理署发现，部分银行也曾拒绝与倾向民主党的组织开展业务。此外，因合法合规原因拒绝对客户提供服务的情况也时有发生，比如银行检测到潜在欺诈活动或账户透支。
货币监理署在2020年至2025年9月期间审查了10万起投诉和数百项银行决策，结果发现其监管的九家最大全国性银行均存在根据政治、宗教观点或商业活动做出决策的政策倾向。
“美国人无论其信仰、从属关系或政治观点如何，都应享有获得金融服务的权利。公平获取金融服务并非一句口号——而是一项法定要求，”货币监理官乔纳森·V·古尔德在周三的一份声明中说道。
报告中提及的案例包括支付处理商WePay，该公司现已停业，并于2017年被摩根大通收购。货币监理署称，WePay曾关闭多家销售“让美国再次伟大”或特朗普相关商品的商户账户。
“我们的政策禁止基于政治或宗教观点歧视客户，”摩根大通的一位发言人表示。WePay的流程“未达到我们的预期。我们已发现问题并进行了整改，该业务也已不再运营”。
货币监理署还发现，部分银行因客户所在行业而拒绝提供服务。该机构总结称，石油和天然气勘探、煤炭开采或枪支相关业务在部分金融服务领域受到限制。
报告中提及的其他银行包括花旗集团和富国银行，它们均拒绝置评，并援引了银行业贸易集团美国银行政策研究所的一份声明。
“银行业支持公平获取银行服务，并一直在努力确保政府监管政策能够让银行服务于守法客户，”美国银行政策研究所在回应货币监理署的调查结果时表示。
该组织补充道：“我们支持制定清晰统一的标准，在促进服务获取的同时维持稳健的风险管理，包括政府近期将监管重点放在实质性金融风险而非声誉风险上的举措。”
由阿兰·谢特尔编辑
Top U.S. banks dropped customers over political and religious views, regulator says
2026-10-14 16:42:04 EDT / CBS News
By
October 14, 2026 / 4:42 PM EDT / CBS News
Top U.S. banks have “debanked” customers because of their political or religious views, as well as their business activities, according to a report from the Treasury Department’s Office of the Comptroller of the Currency.
The report, released on Wednesday, examines a practice that President Trump has claimed discriminates against conservatives over their views. Debanking has also been highlighted by some cryptocurrency investors, who claim their accounts have been closed because banks are uncomfortable working with crypto industry clients.
The OCC said the report was in accordance with Mr. Trump’s 2025 executive order requiring federal banking regulators to review complaints to identify financial institutions that had declined business with clients because of their views.
Some conservatives have argued that they’ve been unfairly targeted by financial institutions, although the OCC found that some banks had also refused to do business with Democratic-leaning organizations. Debanking can also occur for legal and regulatory reasons, such as if a bank detects potentially fraudulent activity or an account is overdrawn.
The OCC, which reviewed 100,000 complaints and hundreds of bank decisions between 2020 and September 2025, found that the nine largest national banks it supervises had policies that swayed their decisions based on political, religious or business activities.
“Americans should have access to financial services regardless of their beliefs, affiliations or political views. Fair access to financial services is not a mantra — it is a mandate,” said Comptroller of the Currency Jonathan V. Gould in a statement on Wednesday.
The incidents cited in the report include the payment processor WePay, which is now defunct and was acquired by JPMorgan Chase in 2017. WePay closed the accounts of several merchants selling MAGA- or Trump-related items, the OCC said.
“Our policies prohibit discrimination against customers based on political or religious views,” a JPMorgan spokesperson said. WePay’s processes “did not meet our expectations. We identified it, corrected it, and the business no longer operates.”
The OCC also found that some banks turned away customers due to their industries. For instance, businesses involved in oil and gas exploration, coal mining or firearms were restricted from some financial services, the agency concluded.
Other banks cited in the report, including Citibank and Wells Fargo, declined to comment and pointed to a statement from the Bank Policy Institute, a trade group for the banking industry.
“The banking industry supports fair access to banking services and has been working to ensure that government regulations and policies enable banks to serve law-abiding customers,” the Bank Policy Institute said in response to the OCC’s findings.
The group added, “We support efforts to establish clear and consistent standards that promote access while maintaining sound risk management, including the administration’s recent efforts to prioritize supervisory attention on material financial risk and rather than reputational risk.”
Edited by Alain Sherter
发表回复