【64tianwang, 5:34 p.m. PDT, October 13, 2026】(Edited by Tianwang Volunteer) 【天网美西时间2026年10月13日下午5时34分讯】（天网义工编辑）
The U.S. Department of the Treasury announced enforcement actions today imposing more than $1.21 billion in penalties against Bank of America, the second-largest bank in the United States, for violations of anti-money laundering and sanctions laws. This is the third-largest penalty in Treasury history, and the largest in the history of the Office of the Comptroller of the Currency. The three actions were announced on the same day. They are not old fines being recounted.
美国财政部今天宣布，对美国第二大银行美国银行处以超过 12.1亿美元 的处罚，原因是违反反洗钱和制裁法。这是财政部历史上第三大罚单，也是货币监理署历史上最大的一笔。三笔行动是同一天宣布的。不是把旧罚款拿出来重算。
The three are concurrent. FinCEN assessed a $1.2 billion penalty because the bank failed to mitigate and report priority national security risks, including Chinese money-laundering networks and illicit finance along the southwest border. The OCC, the bank’s supervisor, assessed a separate $750 million civil money penalty because the bank’s Bank Secrecy Act and anti-money laundering compliance program was deficient and ineffective. OFAC reached a separate $11.6 million settlement over apparent violations of sanctions programs on Iran, Russia, narcotics, and global terrorism. The headline figure of more than $1.21 billion is the combined announcement. The three actions address different failures.
三笔是并行的。金融犯罪执法网络处以 12亿美元 罚款，因为银行没能减轻和报告优先的国家安全风险，包括中国洗钱网络，以及西南边境沿线的非法资金。货币监理署是银行的监管者，另处以 7.5亿美元 民事罚款，因为银行的银行保密法和反洗钱合规项目有缺陷、无效。外国资产控制办公室另达成 1160万美元 和解，涉及伊朗、俄罗斯、毒品和全球恐怖主义等多项制裁项目的表面违规。标题上的超过12.1亿美元，是同一份公告里的合计。三笔针对的是不同的失败。
As part of its resolution with FinCEN, Bank of America admits that it willfully violated the Bank Secrecy Act. It failed to implement and maintain an anti-money laundering program that met the minimum requirements. It failed to conduct due diligence for correspondent accounts for foreign financial institutions. It failed to file Suspicious Activity Reports. As a result, the bank failed to timely report to FinCEN over $5 billion in suspicious transactions. Over $1 billion of that activity implicated national-security and other priority illicit-finance risks, including transactions indicative of Chinese money-laundering networks, fraud, and potential trade-based money laundering with a substantial nexus to the southwest border.
在与金融犯罪执法网络的和解中，美国银行承认它故意违反了银行保密法。 它没能实施和维持符合最低要求的反洗钱项目。它没能对外国金融机构的代理账户做尽职调查。它没能提交可疑活动报告。结果是，银行没能及时向金融犯罪执法网络报告 超过50亿美元 的可疑交易。其中 超过10亿美元 涉及国家安全和其他优先的非法资金风险，包括显示中国洗钱网络、欺诈，以及与西南边境有重大关联的潜在贸易型洗钱的交易。
Treasury Secretary Scott Bessent said financial institutions are on the front lines of protecting economic and national security. When a bank of this size fails to meet its anti-money laundering and sanctions obligations, the consequences extend far beyond its own walls, exposing the entire U.S. financial system to significant illicit finance risks. Today’s actions, he said, send a clear message that even the biggest financial institutions are not above the law.
财政部长斯科特·贝森特说，金融机构站在保护经济和国家安全的前线。一家这个规模的银行没能履行反洗钱和制裁义务，后果会超出它自己的墙，让整个美国金融系统暴露在重大非法资金风险下。他说，今天的行动发出明确信息：即使最大的金融机构也不能凌驾于法律之上。
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Related 天网相关链接： https://home.treasury.gov/news/press-releases/sb0657 https://www.fincen.gov/news/news-releases/fincen-assesses-12-billion-penalty-against-bank-america https://x.com/ericldaugh/status/2110130461863469205
