参议员伊丽莎白·沃伦呼吁司法部对美国银行及其高管展开刑事调查，此前这家银行巨头承认故意违反联邦反洗钱法律。据一份首先共享给CNBC的信函显示。
Sen. Elizabeth Warren is calling on the Justice Department to open a criminal investigation into Bank of America and its executives after the banking giant admitted it willfully violated federal anti-money-laundering laws, according to a letter first shared with CNBC.
这位马萨诸塞州民主党籍参议员、参议院银行委员会首席议员称，10月13日对该银行处以的逾12亿美元罚款是“轻轻打了一下手腕”，并敦促司法部长托德·布兰奇确定是否有必要提起刑事指控。
The Massachusetts Democrat and ranking member of the Senate banking committee called the more than $1.2 billion in penalties imposed on the bank Oct. 13 a "slap on the wrist" and urged Attorney General Todd Blanche to determine whether criminal charges are warranted.
沃伦写道：“美国银行有据可查的违规行为让非法行为者得以通过美国金融体系转移数十亿美元资金。”
"The documented violations by Bank of America allowed illicit actors to move billions through the U.S. financial system," Warren wrote.
她给司法部截至11月12日的时间，说明其是否已对该行为展开调查，如果没有，是否计划这样做。美国银行和司法部均未立即回应置评请求。
She gave the DOJ until Nov. 12 to say whether it has already investigated the conduct and, if not, whether it plans to do so. Bank of America and the Justice Department did not immediately respond to requests for comment.
就在两周多前，财政部监管机构指控这家美国第二大银行存在多年的严重合规失职，这是该部门历史上最大规模的反洗钱执法行动之一。
The letter comes just over two weeks after Treasury regulators accused the nation's second-largest bank of years of serious compliance failures in one of the largest anti-money-laundering enforcement actions in department history.
作为与财政部金融犯罪执法网络达成和解的一部分，美国银行承认其故意违反《银行保密法》，未能维持充分的反洗钱计划并妥善报告可疑活动。
As part of its settlement with the Treasury Department's Financial Crimes Enforcement Network, Bank of America admitted it willfully violated the Bank Secrecy Act by failing to maintain an adequate anti-money-laundering program and properly report suspicious activity.
监管机构称，该银行未能及时报告逾50亿美元的可疑交易。其中逾10亿美元涉及国家安全和其他高优先级风险，包括显示中国洗钱网络活动的迹象以及与美国西南边境相关的交易。
Regulators said the bank failed to report in a timely manner more than $5 billion in suspicious transactions. More than $1 billion involved national-security and other high-priority risks, including activity indicative of Chinese money-laundering networks and transactions tied to the southwest border of the U.S.
财政部表示，美国银行有时“将收入置于合规之上”，严重依赖执法部门的询问和其他金融机构的转介来识别可疑活动，而非依靠自身系统。
Treasury said Bank of America at times "prioritized its revenues" over compliance and relied heavily on law enforcement inquiries and referrals from other financial institutions to identify suspicious activity instead of its own systems.
监管机构处以超过 12 亿美元的罚款，其中包括货币监理署（OCC）开出的创纪录 7.5 亿美元罚款。这些行动不包括对该银行或其高管的刑事指控。
Regulators imposed more than $1.2 billion in penalties, including a record $750 million fine from the Office of the Comptroller of the Currency. The actions did not include criminal charges against the bank or its executives.
该银行在行动宣布后表示，已在合规方面投入数十亿美元，并已“在很大程度上”解决了这些问题。沃伦认为民事罚款不足以起到威慑作用。
The bank said after the actions were announced that it had invested billions of dollars in compliance and was "far along" in addressing the problems. Warren argues the civil penalties are insufficient.
她写道：“民事罚款已成为华尔街的经营成本”，并指出联邦法律允许对故意违反《银行保密法》的行为同时处以刑事和民事罚款。
"Civil fines have become the cost of doing business on Wall Street," she wrote, pointing to federal law that allows criminal as well as civil penalties for willful violations of the Bank Secrecy Act.
美国银行此前已因反洗钱控制存在缺陷，于 2024 年处于一份停止和终止令之下。监管机构本月表示，该银行在解决其中一些问题方面进展不足。
Bank of America was already operating under a 2024 cease-and-desist order over deficiencies in its anti-money-laundering controls. Regulators said this month that the bank had not made sufficient progress addressing some of those problems.