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.
摩根大通银行的下属机构Chase Bank的负责人玛丽安·莱克（Marianne Lake）对其8600万客户发出了警告：准备好接受银行账户可能出现的新费用。
Lake highlighted that proposed regulations aimed at capping overdrafts and late fees will lead to significant cost increases for everyday banking services.
莱克指出，旨在限制透支和滞纳费的拟议法规将导致日常银行服务成本的显著增加。
Also Read: US Banks Bump Up Dividends Following Fed's Successful Stress Test.
美国银行在通过了成功的压力测试之后，增加了分红派息。
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.
作为全美最大的消费者银行和最大的信用卡发行商之一，JP Morgan Chase计划将这些更高的法规成本转嫁给其客户。
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.
莱克提到，目前的免费服务，如支票账户和财富管理工具，很快可能会产生费用。她强调称：“这些变化将是广泛、深远、显著的”，并指出最受影响的将是那些最难负担附加费用的人。
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.
拟议中的规定由消费者金融保护局发起，包括对信用卡逾期付款费用的8美元限制和对透支费用的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，华尔街日报的报道还称，还计划限制借记卡费用和对软件公司（如Venmo和CashApp）访问客户数据的收费。
New capital rules could also make lending harder for banks, requiring them to hold more reserves against mortgages and credit card loans.
新的资本规则也可能使银行放贷更加困难，要求它们对抵押和信用卡贷款拥有更多的准备金。
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.
一些消费者倡导者认为，这种情况类似于金融危机后银行在监管上限之后威胁要收取费用，但由于消费者的反弹而放弃了这一做法。
However, banks now assert that the scope of the new regulations could force them to implement these charges.
然而，银行现在声称新的规定的范围可能迫使它们实施这些收费。
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.
莱克预见，如果执行这些规则，免费服务的范围（如信用评分跟踪器和财务规划工具）可能不会保持免费。
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，以前对借记卡刷卡的透支费用的规定已经增加了消费者的费用，并预计新的规定将产生类似的结果。
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.
引用普华永道咨询合作伙伴的话说，虽然大型银行可能通过其财富管理和投资银行部门吸收影响，但小型银行可能会遇到困难。
He also warned that the competitive environment for retail deposits could force banks to keep services free to retain customers.
他还警告说，零售存款的竞争环境可能迫使银行保持免费服务以留住客户。
Disclaimer: This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
免责声明：本内容部分使用人工智能工具生成，并经Benzinga编辑审核发布。
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