美国运通的争议事件

品牌回应

• 澄清 — American Express

  American Express said in a statement that it identified weaknesses in its Financial Crimes Compliance program through internal and external reviews.

• 调查 — American Express

  We also investigated transactions that we identified being processed over our network by individuals misusing our products for the purchases of goods and services, reported that information to law enforcement, and took other appropriate action

• 整改 — American Express

  Under the order, American Express must overhaul its anti-money laundering controls, improve its monitoring of suspicious transactions, and strengthen oversight of potentially illicit insider activity.

来源摘录

• American Express agreed to the OCC's enforcement orders without admitting or denying the regulator's findings.

• Regulators fined American Express (AXP) with a $350 million penalty Thursday over widespread failures in its anti-money laundering controls that left approximately $13 billion in suspected money laundering activity inadequately monitored and reported over nearly 11 years.

• Between June 2014 and May 2025, the bank processed approximately billions in suspected trade-based money laundering activity, including suspicious card charges and repayments, according to the OCC's order.

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• 澄清 — American Express

  Amex said in a regulatory filing that the penalty will not impact the full-year 2026 guidance it previously issued and the orders do not impose an asset cap on the firm.

• 调查 — American Express

  We also investigated transactions that we identified being processed over our network by individuals misusing our products for the purchases of goods and services, reported that information to law enforcement, and took other appropriate action

• 整改 — American Express

  While we have made meaningful progress, we know there is more work to do.

来源摘录

• The US Office of the Comptroller of the Currency (OCC) cited the bank for deficiencies in its compliance programmes, according to a statement on Thursday (Oct 8).

• The Federal Reserve announced a separate enforcement action against the New York-based company linked to its anti-money laundering programme, in particular at the firm’s national bank subsidiary.

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• 否认 — American Express

  Amex rejected these complaints, saying the emails were about “servicing” rather than marketing, according to the ICO.

来源摘录

• The Information Commissioner’s Office (ICO) fined American Express Services Europe (Amex) £90,000 after it sent over four million marketing emails to customers who did not want them.

• However, the ICO disagreed, claiming that a little over four million of the 50 million emails sent as part of this campaign were “a deliberate action for financial gain by the organization” — and as such constituted a marketing effort.

• Amex rejected these complaints, saying the emails were about “servicing” rather than marketing, according to the ICO.

来源摘录

• U.S. District Court Judge Nicholas Garaufis said in his ruling that American Express nondisclosure policies harmed competition and prevented merchants from trying to lower their credit card processing costs.