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篇名
FinTech Innovation and Anti-Money Laundering Compliance
並列篇名
金融科技創新與反洗錢防制規範
作者 吳盈德
中文摘要

金融科技創新在全球金融服務業尚未意識到之下,已經迅速的崛起和成長。本文分析了金融科技創新產業在美國的反洗錢防制法的遵循現況。首先,主要兩項法律涉及與洗錢防制有關的規範,這兩項法律是1970年的銀行保密法和組織犯罪控制法。銀行保密法為關於洗錢問題的專門性法律,該法規範了銀行和其他金融服務機構必須遵守的規定,以確保其服務符合反洗錢防制法。然而,組織犯罪控制法僅規範及定義利用金融工具的洗錢犯罪。再者,金融科技創新公司並不會主動遵守反洗錢防制法,因為大多數的金融科技創新公司並不認為自己是金融服務業。事實上,他們的商業模式與現有的反洗錢防制法規定並不一致,然而這種不願意遵守反洗錢防制法的做法使他們面臨訴訟,相關資料顯示,部分業者因為未能遵守反洗錢防制規範,而被判處20年刑期。最後,本論文以法制規定的綜合討論及要件評析作為結論。

英文摘要
The rapid emergence and growth of the financial innovations industry--or FinTech as it is commonly referred to in the financial services sector--has caught many players in the global financial services industry unaware. This article analyzed the compliance of FinTech firms with anti-money laundering (AML) laws in the US. The results of the study suggest that two main laws govern issues related to the laundering of monetary instruments. These laws are the Bank Secrecy Act of 1970 (BSA) and the Organized Crime Control Act. The BSA is the primary legislation on issues related to the laundering of money. The legislation outlines the rules that banks and other financial services institutions must follow to ensure that their services are compliant with AML laws. The Organized Crime Control Act merely defines the crime of laundering in financial instruments. Furthermore, the results of the analysis state that FinTech corporations are not complying with AML laws. The results indicate that most FinTech firms do not consider themselves as financial services organizations. In fact, their business models are inconsistent with existing AML provisions. This reluctance to comply with AML laws has exposed them to suits, with the available data indicating that some founders have been received 20-year jail terms because of their failure to comply with AML provisions. In the end, the concept of regulatory requirements will be explained as the conclusion.

起訖頁 201-258
關鍵詞 金融科技反洗錢防制法銀行保密法組織犯罪控制法反洗錢防制規範FinTechAnti-Money Laundering LawsBank Secrecy ActOrganized Crime Control ActAML Compliance
刊名 National Taiwan University Law Review  
期數 201709 (12:2期)
出版單位 國立臺灣大學法律學系
DOI 10.3966/181263242017091202002  複製DOI
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該期刊-上一篇 Justice and Law in the Republic and Mencius
該期刊-下一篇 A Maker or an Infringer? 3D Printing Technology and Patent Infringing Liability: Taiwan Perspectives
 

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