美联储邀请公众就允许美国银行和信用合作社利用中介机构通过 FedNow 服务转移资金的提案发表评论

2026 年 4 月 8 日
美联储邀请公众就允许美国银行和信用合作社利用中介机构通过 FedNow 服务转移资金的提案发表评论
于美国东部时间上午 11:30 发布
美联储周三邀请公众对一项提案发表评论，该提案将允许美国银行和信用合作社利用中介机构通过 FedNow 服务转移资金。
这种额外的灵活性将支持 FedNow 服务的新私营部门用例。例如，它将允许美国银行使用 FedNow 与代理银行进行交易，以促进跨境支付的国际部分。目前，通过 FedNow 服务发送的资金转账只能包括两家美国银行。
评论应在《联邦公报》发布后 60 天内提交。
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《联邦公报》通知：联邦储备银行收集支票和其他物品以及通过 Fedwire 资金服务和 FedNow 服务进行资金转账：HTML | PDF
董事会备忘录 (PDF)
董事会投票

April 08, 2026
Federal Reserve Board invites public comment on proposal that would allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service
For release at 11:30 a.m. EDT
The Federal Reserve Board on Wednesday invited public comment on a proposal that would allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service.
This additional flexibility would support new private sector use cases for the FedNow Service. For example, it would allow U.S. banks to use FedNow to transact with correspondent banks to facilitate the international portion of a cross-border payment. Currently, a transfer of funds sent through the FedNow Service can include only two U.S. banks.
Comments are due within 60 days after publication in the Federal Register .
For media inquiries, please email [email protected] or call 202-452-2955.
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Federal Register notice: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through the Fedwire Funds Service and the FedNow Service: HTML | PDF
Board Memo (PDF)
Board Votes