US banks restrict third-party AI agents from customer accounts

说明与用途

美国银行限制第三方AI代理对客户账户的访问，仅允许查看信息，直至制定更安全的交易协议。

问题

Large US banks discovered unauthorized AI agents acting on customer accounts without clear authorization, risking unauthorized transactions.

结果

Banks have moved to restrict third‑party AI agents from performing transactions, limiting them to view-only access until safer protocols are developed.

工作流

• Identify unauthorized AI agent activity
• Determine that agents use customer credentials
• Assess risk of unauthorized transactions
• Decide to restrict third‑party AI access
• Update service terms to limit access to view-only
• Communicate new restrictions to customers and vendors

证据

The banks identified unauthorized AI agents operating in their systems, apparently without direct instructions from the customers.

Several banks have decided to restrict third-party AI access and are updating their service terms.

Charles Schwab CEO Rick Wurster told Bloomberg that the brokerage blocked third-party agent activity, including Meta's Muse, that tried to make moves in customer accounts.

Bank of America CEO Brian Moynihan told CNBC the bank will restrict agent access while it develops protocols for using the tools.