美國消費者監管機構控告主要銀行涉嫌在Zelle支付應用上詐騙
（路透社） – 美國消費者金融保護局（CFPB）於周五宣布，已對摩根大通（JPMorgan Chase）、美國銀行（Bank of America）及富國銀行（Wells Fargo）提起訴訟，指控這些銀行未能保護消費者，導致在支付平台Zelle上發生「廣泛的詐騙」。
CFPB希望停止這些被指控的非法行為，並為消費者獲得賠償及處罰，並在聲明中表示。
Zelle上詐騙和欺詐事件的增加引起了美國立法者的關注，包括民主黨參議員伊麗莎白·華倫（Elizabeth Warren）及對消費者保護感興趣的監管機構。
CFPB主任羅希特·喬普拉（Rohit Chopra）在簡報中表示：「他們所建立的系統成為了罪犯的金礦，讓詐騙者輕易地掏空帳戶，但卻對消費者提供了不足的保護，甚至未能讓他們的損失得到補償。這些銀行透過運行一個讓詐騙變得容易的支付系統違反了法律，卻拒絕幫助受害者。」
Zelle是一個由七家銀行擁有的支付網絡，包括摩根大通和美國銀行。
「CFPB對Zelle的攻擊在法律和事實上都是錯誤的，而這起訴訟的時機似乎受到政治因素的驅動。」運營Zelle的公司Early Warning Services表示，該公司由多家銀行共同擁有。
消費者監管機構形容，有數十萬名消費者提出詐騙投訴，卻大多未獲得幫助，甚至有些人被告知要直接聯繫詐騙者以追回他們的資金。
摩根大通、美國銀行和富國銀行均拒絕對此事發表評論。
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這起訴訟的發展顯示了數字支付系統在消費者保護方面的漏洞，尤其是Zelle這類平台的迅速發展使得詐騙行為變得更加猖獗。CFPB的行動不僅是針對個別銀行，更是對整個金融生態系統中消費者保護機制的一次挑戰。隨著數字支付日益普及，如何平衡便利性與安全性將成為未來金融機構需要面對的關鍵問題。這也提醒了消費者在使用此類平台時需保持警惕，並尋求更安全的交易方式。
以上文章由特價GPT API根據網上資料所翻譯及撰寫，過程中沒有任何人類參與 🙂
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![{
"intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.",
"subject": {
"identity": "A stylish beautiful woman portrayed as Cleopatra during her sacred milk bath beauty ritual, embodying divine femininity, sensual elegance, and timeless power.",
"angle": "Close-up beauty editorial captured at a refined 3/4 angle, focusing on her face, shoulders, and upper chest with extreme clarity and no blur.",
"pose": {
"body_position": "She is partially submerged in a luxurious milk bath, her shoulders and collarbones emerging gracefully from the surface.",
"hands": "One hand gently rests at the edge of the bath with milk droplets on her fingers, while the other lightly touches her neck adorned with subtle gold jewelry.",
"expression": "Soft yet commanding gaze directed toward the camera—calm, confident, intimate, and hypnotic."
}
},
"appearance": {
"outfit": "A barely-there, ritual-style ivory silk drape partially submerged in the milk bath, clinging softly to her skin. The fabric is delicate and translucent, edged with fine gold-thread embroidery for a sensual, sacred aesthetic.",
"accessories": "Minimal ritual jewelry—thin gold collar necklace resting above the milk surface, delicate arm cuff, subtle finger ring—kept refined to maintain focus on beauty and skin.",
"hair": "Her hair is sleek and ritual-polished, partially damp and slicked back at the crown, with soft wet strands framing her face naturally, reflecting candlelight.",
"makeup": "High-fashion Cleopatra beauty makeup with ceremonial artistry—perfectly sculpted brows, elongated black kohl eyeliner, vibrant eyeshadow layered in turquoise, teal, emerald, sapphire blue, and metallic gold. Beneath the eyes, subtle artistic ink-inspired accents echo ancient Egyptian symbolism. Her skin is luminous and dewy, cheeks softly flushed, and lips finished in a nude-rose satin sheen."
},
"ritual_props": {
"bath": "A carved alabaster bathtub filled with warm milk infused with honey, almond oil, and lotus essence.",
"floating_elements": [
"Fresh lotus flowers",
"Soft white rose petals",
"Delicate gold flakes shimmering on the milk surface"
],
"beauty_products": [
"Small golden perfume vial with lotus and myrrh oil",
"Alabaster bowl of honey and milk mixture",
"Clay jar of mineral kohl and pigment powders"
]
},
"background": {
"macro_environment": "An intimate royal bathing chamber within Cleopatra’s palace, designed as a sacred beauty sanctuary.",
"midground_details": "Soft linen curtains, glowing oil lamps, tall candles, and subtle steam rising from the bath, creating a warm and sensual atmosphere.",
"micro_elements": "Milk ripples around her skin, floating petals touching her shoulders, tiny droplets of moisture on her collarbones, reflections of candle flames on gold jewelry, visible stone texture on the tub, and delicate fabric translucency—every detail sharply rendered with zero blur."
},
"lighting": {
"type": "Warm cinematic candlelight combined with soft ambient palace glow.",
"effect": "Golden highlights sculpt her face and skin while gentle shadows enhance depth, intimacy, and divine beauty."
},
"camera": {
"camera_type": "DSLR",
"resolution": "8K UHD",
"lens": "85mm prime lens for beauty editorial compression",
"aperture": "f/8 for maximum facial and detail sharpness",
"iso": 100,
"shutter_speed": "1/160s",
"focus": "Extreme sharp focus on facial features, skin texture, makeup details, and milk surface, no bokeh, no blur"
},
"style": "Luxury beauty editorial, sacred milk bath ritual, ancient Egyptian goddess realism, intimate yet powerful, ultra-detailed, luminous skin focus, cinematic elegance"
}](https://ssfuture.shop/wp-content/uploads/ai_gen_1766006026-300x167.png)
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