The effluent discharged from wastewater treatment facilities frequently enters the ocean, posing a considerable threat to the health of marine life and humans. In this paper, an alkali lignin-based biochar-loaded modified Fe-Cu catalyst (FeCu@BC) was prepared to remove soluble microbial products (SMP) from secondary effluent as disinfection by-products precursors at ambient temperature and pressure. The humic acid (HA) was taken as the representative substance of SMP. The results showed that the maximum removal efficiency of HA reached 93.2% when the FeCu@BC dosage, pH, initial HA concentration, and dissolved oxygen concentration were 5.0 g/L, 7, 100 mg/L, and 1.75 mg/L, respectively. After three cycles, the removal efficiency of HA could be maintained at more than 70%. The quenching experiments and electron spin resonance (EPR) results showed that center dot OH and 1O2 were involved in the degradation of HA in the FeCu@BC catalyst reaction system, with 1O2 playing a dominant role. Theoretical calculations confirmed that center dot OH and 1O2 were more prone to attack the C=O bond of the side chain of HA. After processing by the FeCu@BC catalyst, the yield of chlorinated disinfection by-products from secondary effluent had decreased in an obvious manner. This study provides a new solution to efficiently solve the problem of chlorinated disinfection by-products from HA.