《去银行化行政命令》及其对贵机构的影响.pdf

1、1The“Debanking”Executive Order and What it Means for Your InstitutionArnold&PorterRobert C.AzarowMichael A.MancusiErik C.WalshNovember 6,20252SpeakersRobert C.AzarowPartnerArnold&PorterRobert.ATel:212-836-7477Michael A.MancusiPartnerArnold&P Tel:1 202.942.5302Erik C.WalshCounselArnold&PorterErik.WTe

2、l:212-836-80983“Guaranteeing Fair Banking For All Americans,”Executive Order,Aug.7,2025What is“politicized or unlawful debanking”?An act by a financial service provider to:o directly or indirectly adversely restrict access to,or adversely modify the conditions of,accounts,loans,or other banking prod

3、ucts or financial services of any customer or potential customeroon the basis of the customers or potential customers political or religious beliefs,or oon the basis of the customers or potential customers lawful business activities that the financial service provider disagrees with or disfavors for

4、 political reasons.The“Debanking”Executive Order4Declining or terminating accounts for legitimate AML risk concernsOriginating loans consistent with the institutions appropriate underwriting criteriaDeclining banking services to industries that will require unacceptable compliance costsThe“Debanking

5、”Executive OrderWhat is not“politicized or unlawful”debanking?5Federal banking agencies(FBAs)must conduct a review to identify financial institutions that have engaged in or are currently engaging in“politicized or unlawful”debanking.oIssue consent decrees and“fines”for politicized or unlawful deban

6、king.oPossible referrals to Attorney General for civil actions.U.S.Small Business Administration(SBA)to notify SBA lenders that they must reinstate customers subjected to“politicized or unlawful debanking.”FBAs must amend existing regulations and guidance to eliminate consideration of a potential cl