金吾财讯 | 美联储正评估多项应对措施，打击金融欺诈行为，同时为银行提供更全面的指导与资源支持。据美联储估算，2024 年个人消费者非信用卡欺诈净损失达 630 亿美元，欺诈总损失 840 亿美元，仅 2100 万美元损失得以追回。
美联储作为支付系统运营方与银行监管机构，一方面优化支付平台的欺诈检测、预防工具，重点改进欺诈分类模型，解决同类诈骗标签不统一的问题；另一方面加强跨部门协作，联合各州、联邦机构及执法部门应对欺诈威胁，还将联合多部门举办公私合营圆桌会议，凝聚各方力量防控欺诈。
此外，美联储还强调强化银行防御能力、提升欺诈损失资金追回率，同时审视现有监管规则，确保金融体系安全稳定，更好服务各类主体。
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