the use of things like ACT in FFXIV are more a "you can't use it but we can't know you are using it so just don't talk about it or use it against someone" thing so if you complain about someones low DPS you are probably using ACT that is against the rules therefore ban
as for chat I dunno my 1.0 characters ended up on the JP servers for some reason so when i did play it was on the JP servers, different regions will have different moderation teams and the american moderation team is probably all jannies because who else wants to moderate game chat
the use of things like ACT in FFXIV are more a "you can't use it but we can't know you are using it so just don't talk about it or use it against someone" thing so if you complain about someones low DPS you are probably using ACT that is against the rules therefore ban
as for chat I dunno my 1.0 characters ended up on the JP servers for some reason so when i did play it was on the JP servers, different regions will have different moderation teams and the american moderation team is probably all jannies because who else wants to moderate game chat