The government wants banks to find people who work in the US without legal papers.

政府希望銀行能找出在美國工作但缺乏合法文件的人員。

The government made a new rule in May. Banks must check if people are citizens. This stops people from stealing money and lying about taxes.

政府在五月制定了一項新規定。銀行必須檢查人員是否為公民。這能防止他人盜取資金以及在稅務上造假。

Banks said checking every person is too expensive. So, banks only look for 'red flags'. These are signs that a person might be breaking the law.

銀行表示檢查每個人成本太高。因此，銀行僅尋找「紅旗」跡象。這些是指一個人可能違法的訊號。

Some bad people use banks to move money for drugs and human trafficking. One group of people stole 38 million dollars. The government wants to stop this.

一些不法分子利用銀行為毒品和人口販運轉移資金。有一組人盜取了 3800 萬美元。政府希望阻止這種行為。

Banks must now watch for these signs to keep the US banking system safe.

銀行現在必須留意這些跡象，以確保美國銀行體系的安全性。

The Financial Crimes Enforcement Network (FinCEN) has released a new advisory asking banks to improve how they detect fraudulent activities related to the employment of undocumented individuals.

金融犯罪執法網絡（FinCEN）已發布一項新建議，要求銀行改善偵測與僱用無證人員相關欺詐活動的方法。

This new approach is based on a May executive order that requires financial regulators to check the citizenship status of account holders. The goal of this directive is to reduce identity theft, payroll tax evasion, and money laundering. Although the government first considered making citizenship verification mandatory, they later reached an agreement with the banking sector. Banks argued that mandatory checks would cause too many administrative problems and high costs; consequently, the government issued guidance instead of a strict law. As a result, banks will now use a system of 'red flags' to find high-risk accounts without closing all accounts held by non-citizens.

這種新做法是基於五月份的一項行政命令，要求金融監管機構檢查帳戶持有人的公民身份。此指令的目的是為了減少身分盜用、薪俸稅逃稅以及洗錢。雖然政府最初考慮將公民身份驗證設為強制性，但隨後與銀行業達成協議。銀行認為強制檢查會導致過多行政問題且成本高昂；因此，政府發布了指南而非制定嚴格法律。結果，銀行現在將使用一套「紅旗」警示系統來尋找高風險帳戶，而不會關閉所有非公民持有的帳戶。

From a broader perspective, the Treasury Department emphasizes that when unauthorized workers use the U.S. financial system, it leads to the loss of tax revenue and gives an unfair advantage to employers who do not follow the law. Furthermore, FinCEN asserts that there is a link between the processing of illegal wages and the funding of international criminal groups, particularly those involved in drug and human trafficking. For example, one case involving two foreign nationals led to a financial loss of about $38 million. However, because banks have not collected citizenship data in the past, it is currently impossible to calculate the exact total risk this group poses to the system.

從更廣泛的角度來看，財政部強調當非合法勞工使用美國金融系統時，會導致稅收損失，並使不遵守法律的僱主獲得不公平優勢。此外，FinCEN 主張處理非法工資與國際犯罪集團（尤其是涉及毒品和人口販運的集團）的資金之間存在聯繫。例如，一起涉及兩名外籍人士的案件導致了約 3,800 萬美元的財務損失。然而，由於銀行過去未收集公民身份數據，目前無法計算該群體對系統造成的確切總風險。

Financial institutions are now responsible for monitoring specific warning signs of unauthorized residency to stop the abuse of the U.S. banking system.

金融機構現在有責任監控非合法居民的特定警告跡象，以阻止濫用美國銀行系統。

The Financial Crimes Enforcement Network (FinCEN) has issued an advisory requesting that banking institutions enhance their detection of fraudulent activities linked to the employment of undocumented individuals.

金融犯罪執法局 (FinCEN) 已發布一份建議書，要求銀行機構加強偵測與僱用非法移民相關的欺詐活動。

The current regulatory trajectory is predicated upon a May executive order mandating that financial regulators scrutinize the citizenship status of account holders. This directive seeks to mitigate the proliferation of identity theft, payroll tax evasion, and money laundering. While the administration's initial considerations involved the imposition of mandatory citizenship verification, a subsequent rapprochement with the banking sector—which cited prohibitive operational costs and administrative burdens—resulted in the issuance of guidance rather than a statutory mandate. Consequently, the current framework utilizes a series of 'red flags' to identify high-risk profiles without requiring universal debanking.

目前的監管軌跡是基於五月份的一項行政命令，要求金融監管機構審查帳戶持有者的公民身份。此指令旨在減輕身分盜用、薪俸稅逃稅及洗錢的擴散。雖然政府最初考慮實施強制性公民身份驗證，但隨後與銀行業協商——銀行業稱其運作成本過高且行政負擔沉重——結果導致發布的是指導方針而非法定指令。因此，目前的框架利用一系列「紅旗」指標來識別高風險概況，而無需要求普遍取消銀行服務。

From a systemic perspective, the Treasury Department posits that the utilization of the U.S. financial infrastructure by unauthorized workers facilitates the misappropriation of tax revenue and provides an asymmetric competitive advantage to non-compliant employers. Furthermore, FinCEN asserts a correlation between the processing of unlawfully obtained wages and the capitalization of transnational criminal enterprises, specifically those engaged in narcotics and human trafficking. The empirical basis for these concerns is illustrated by a case study involving two foreign nationals whose payroll operations resulted in a fiscal loss of approximately $38 million. Notably, the absence of historical data regarding customer citizenship status precludes a quantitative assessment of the systemic risk posed by this demographic.

從系統角度來看，財政部認為非法勞工利用美國金融基礎設施，會導致稅收被挪用，並為不合規的雇主提供不對稱的競爭優勢。此外，FinCEN 主張處理非法獲得的工資與跨國犯罪企業（特別是從事毒品和人口販運的企業）的資本化之間存在相關性。這些憂慮的實證體現在一個涉及兩名外國國民的案例研究中，其薪酬操作導致財政損失約 3,800 萬美元。值得注意的是，由於缺乏關於客戶公民身份的歷史數據，目前無法對該群體所構成的系統性風險進行定量評估。

Financial institutions are now tasked with monitoring specific indicators of unauthorized residency to prevent the exploitation of the U.S. banking system.

金融機構目前的任務是監控非法居民的特定指標，以防止美國銀行系統被利用。