2026年10月14日，美国消费者金融保护局宣布对包括摩根大通、美国银行、花旗银行和富国银行在内的九家大型全国性银行展开调查，旨在核实这些银行是否存在因关闭或限制客户账户而违反联邦金融法规的行为。
CFPB Launches Debanking Investigation into Nine Major U.S. Banks On October 14, 2026, the Consumer Financial Protection Bureau announced an investigation into nine major national banks—including JPMorgan Chase, Bank of America, Citibank, and Wells Fargo—to examine whether they broke federal consumer financial laws by closing or restricting customer accounts.
此次调查源于美国货币监理署的一份报告，该报告指出部分银行基于客户的政治立场、宗教信仰或其从事的合法商业活动（尤其是涉及枪支、烟草及石油天然气行业）而限制其金融服务。
The inquiry follows an Office of the Comptroller of the Currency report that identified bank policies restricting access based on political beliefs, religious views, or lawful business operations, particularly in the firearms, tobacco, and oil and gas industries.
代理局长马克·帕奥莱塔表示，该机构正依据《平等信贷机会法》《公平信用报告法》以及禁止不公平、欺诈性或滥用性行为的相关法规，对各银行的合规情况进行审查。
Acting Director Mark Paoletta stated the agency is reviewing compliance under the Equal Credit Opportunity Act, the Fair Credit Reporting Act, and prohibitions against unfair, deceptive, or abusive acts or practices.