{"id":62633,"date":"2025-09-23T09:36:27","date_gmt":"2025-09-23T09:36:27","guid":{"rendered":"https:\/\/scope.nl\/?p=62633"},"modified":"2025-09-29T07:57:08","modified_gmt":"2025-09-29T07:57:08","slug":"vs-verbiedt-debanking-wat-betekent-dit-voor-europese-cdd-strategieen","status":"publish","type":"post","link":"https:\/\/scope.nl\/en\/vs-verbiedt-debanking-wat-betekent-dit-voor-europese-cdd-strategieen\/","title":{"rendered":"US bans debanking: What does this mean for European CDD strategies?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"62633\" class=\"elementor elementor-62633\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4fe3191 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4fe3191\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f802246\" data-id=\"f802246\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ea7e12 elementor-widget elementor-widget-text-editor\" data-id=\"2ea7e12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On augustus 2025 heeft de Amerikaanse president een ingrijpende Executive Order ondertekend die banken verbiedt om klanten te weigeren op basis van reputatierisico, politieke voorkeur of religieuze overtuiging. Deze maatregel, gericht op het be\u00ebindigen van zogeheten <em>debanking<\/em>, zet een streep door jarenlang beleid waarbij bedrijven en individuen uitgesloten werden van financi\u00eble diensten zonder objectieve risicogrond. De vraag is: wat betekent deze koerswijziging voor Europa, en specifiek voor Nederlandse instellingen die werken met CDD en Wwft richtlijnen?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27cd697 elementor-widget elementor-widget-heading\" data-id=\"27cd697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does the US ban entail?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c07034c elementor-widget elementor-widget-text-editor\" data-id=\"c07034c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De Executive Order \u201c<a href=\"https:\/\/www.whitehouse.gov\/presidential-actions\/2025\/08\/guaranteeing-fair-banking-for-all-americans\/\"><span style=\"color: #ff9900;\"><strong>Guaranteeing Fair Banking for All Americans<\/strong><\/span><\/a>\u201d verplicht federale toezichthouders om alle verwijzingen naar reputatierisico te schrappen uit hun toezichtskaders. Banken mogen klanten niet langer weigeren op basis van imago, politieke voorkeur of sector, zolang er geen aantoonbaar financieel risico is. De Office of the Comptroller of the Currency (OCC) heeft dit beleid direct doorgevoerd en kondigde aan dat reputatierisico geen rol meer speelt bij vergunningen, toezicht of Community Reinvestment Act (CRA) beoordelingen die banken verplicht om krediet te verlenen aan alle delen van de gemeenschappen waarin ze actief zijn.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf0e87 elementor-widget elementor-widget-heading\" data-id=\"abf0e87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reputational risk factor still active in Europe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1878ff elementor-widget elementor-widget-text-editor\" data-id=\"f1878ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Europe, reputational risk is still a recognized factor in customer acceptance and risk assessment. Especially in sector such as crypto, real estate, and non-profit, a customer's image is regularly taken into account. The European Banking Authority (EBA) has recently published <span style=\"color: #ff9900;\"><strong><a style=\"color: #ff9900;\" href=\"https:\/\/eba.europa.eu\/publications-and-media\/press-releases\/eba-issues-guidelines-challenge-unwarranted-de-risking-and\">guidelines<\/a> <\/strong><\/span>to combat unjustified risk mitigation, with an emphasis on individual risk assessment and access to basic banking services. Nevertheless, reputation  remains an implicit factor in many AML policies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82018b elementor-widget elementor-widget-heading\" data-id=\"c82018b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mogelijke impact op Nederlandse CDD strategie\u00ebn<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eaf1d6b elementor-widget elementor-widget-text-editor\" data-id=\"eaf1d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although the US and EU have different supervisory structures, this change in US policy could indirectly affect Dutch institutions:<\/p><ul><li><strong>Shift in standards:<\/strong>\u00a0The Us emphasis on objective, risk-based customer assessment could put pressure on European supervisors to reconsider reputational risk.<\/li><li><strong>Increasing transparency requirements:<\/strong>\u00a0The EU is working on harmonization through AMLA and AMLR, which require customer data to be updated periodically. This may conflict with a more liberal approach to customer acceptance.<\/li><li><strong>International compliance:<\/strong>\u00a0Multinationals and FinTechs often operate across borders. A difference in debanking policy between the US and the EU could lead to compliance friction and a review of internal CDD guidelines.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cff08c elementor-widget elementor-widget-heading\" data-id=\"3cff08c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What can gatekeepers do?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6857835 elementor-widget elementor-widget-text-editor\" data-id=\"6857835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Voor compliance officers en CDD specialisten is dit h\u00e9t moment om hun beleid onder de loep te nemen. Stel de vraag:<\/p><ul><li>Is our customer acceptance based on objective risk factors?<\/li><li>Kunnen we onze beslissingen onderbouwen richting toezichthouders \u00e9n klanten?<\/li><\/ul><p>SCOPE FinTech Solutions' products enable organizations to base customer research on verifiable data, up-to-date risk profiles, and Dutch compliance guidelines.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc4d015 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"cc4d015\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/scope.nl\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The US prohibits debanking based on reputational risk. What does this mean for European CDD strategies and customer acceptance under the AML?<\/p>","protected":false},"author":5,"featured_media":62787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-62633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informatie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>VS verbiedt debanking: Wat betekent dit voor Europese CDD strategie\u00ebn? - SCOPE FinTech Solutions<\/title>\n<meta name=\"description\" content=\"De VS verbiedt debanking op basis van reputatierisico. 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