Largest Consumer Bank Chase Hints Increased Cost To Consumers For Everyday Banking Services
Largest Consumer Bank Chase Hints Increased Cost To Consumers For Everyday Banking Services
Marianne Lake, head of Chase Bank, a division of JPMorgan Chase & Co. (NYSE:JPM), has issued a warning to its 86 million customers: prepare for potential new charges on their bank accounts.
摩根大通銀行的下屬機構Chase Bank的負責人瑪麗安·萊克（Marianne Lake）對其8600萬客戶發出了警告：準備好接受銀行帳戶可能出現的新費用。
Lake highlighted that proposed regulations aimed at capping overdrafts and late fees will lead to significant cost increases for everyday banking services.
萊克指出，旨在限制透支和滯納費的擬議法規將導致日常銀行服務成本的顯著增加。
Also Read: US Banks Bump Up Dividends Following Fed's Successful Stress Test.
美國銀行在通過了成功的壓力測試之後，增加了分紅派息。
Chase, the largest consumer bank and one of the top credit card issuers in the country, plans to pass on the costs of these higher regulations to its customers.
作爲全美最大的消費者銀行和最大的信用卡發行商之一，JP Morgan Chase計劃將這些更高的法規成本轉嫁給其客戶。
Lake mentioned that currently free services such as checking accounts and wealth management tools could soon incur fees. "The changes will be broad, sweeping, and significant," she emphasized, noting that those most affected will be individuals who can least afford the additional expenses.
萊克提到，目前的免費服務，如支票帳戶和财富管理工具，很快可能會產生費用。她強調稱：“這些變化將是廣泛、深遠、顯著的”，並指出最受影響的將是那些最難負擔附加費用的人。
The proposed regulations, spearheaded by the Consumer Financial Protection Bureau, include a $8 cap on credit card late payment fees and a $3 cap on overdraft charges.
擬議中的規定由消費者金融保護局發起，包括對信用卡逾期付款費用的8美元限制和對透支費用的3美元限制。
Additionally, the Wall Street Journal report adds there are plans to limit debit card fees and charges to software companies like Venmo and CashApp for accessing customer data.
此外，華爾街日報的報道還稱，還計劃限制借記卡費用和對軟件公司（如Venmo和CashApp）訪問客戶數據的收費。
New capital rules could also make lending harder for banks, requiring them to hold more reserves against mortgages and credit card loans.
新的資本規則也可能使銀行放貸更加困難，要求它們對抵押和信用卡貸款擁有更多的準備金。
Some consumer advocates argue this scenario mirrors the post-financial crisis era when banks threatened to impose fees following regulatory caps but refrained mainly due to consumer backlash.
一些消費者倡導者認爲，這種情況類似於金融危機後銀行在監管上限之後威脅要收取費用，但由於消費者的反彈而放棄了這一做法。
However, banks now assert that the scope of the new regulations could force them to implement these charges.
然而，銀行現在聲稱新的規定的範圍可能迫使它們實施這些收費。
Lake foresees that the range of free services, such as credit score trackers and financial planning tools, may not remain free if the rules are enforced.
萊克預見，如果執行這些規則，免費服務的範圍（如信用評分跟蹤器和財務規劃工具）可能不會保持免費。
She pointed out how previous regulations on debit card swipe fees had already increased costs for consumers and anticipates a similar outcome with the new regulations.
她指出，以前對借記卡刷卡的透支費用的規定已經增加了消費者的費用，並預計新的規定將產生類似的結果。
Citing a consulting partner at PricewaterhouseCoopers, the WSJ report adds while large banks might absorb the impact through their wealth management and investment banking divisions, smaller banks could struggle.
引用普華永道諮詢合作伙伴的話說，雖然大型銀行可能通過其财富管理和投資銀行部門吸收影響，但小型銀行可能會遇到困難。
He also warned that the competitive environment for retail deposits could force banks to keep services free to retain customers.
他還警告說，零售存款的競爭環境可能迫使銀行保持免費服務以留住客戶。
Disclaimer: This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
免責聲明：本內容部分使用人工智能工具生成，並經Benzinga編輯審核發佈。
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譯文內容由第三人軟體翻譯。