國會審查加密“撤銷”時，Coinbase曬太陽地佔據了正面的情緒，FDIC政策顛倒了

美國加密貨幣交易所Coinbase（Coin）的首席律師作證說，在周四對眾議院金融服務委員會的聽證會上，監管機構濫用了授權的監管機構，這標誌著數字資產行業對數字資產行業的最新進步，華盛頓的政策抵抗。

Coinbase (COIN) Chief Legal Officer Paul Grewal testified on Thursday before the House Financial Services Committee about the abuse of authority from regulators who erected barriers between banks and crypto firms.

Coinbase（Coin）首席法律官Paul Grewal週四在眾議院金融服務委員會作證說，濫用了對銀行和加密貨幣公司之間障礙的監管機構的濫用。

Coinbase's complaints about "regulation by exhaustion" were met with wide agreement from Republican lawmakers eager to criticize the Biden administration's crypto performance. The lawmakers also agreed with Grewal's view that financial regulators such as the FDIC publicly insisted that they weren't against crypto while privately directing banks away from the industry.

共和黨議員們渴望批評拜登政府的加密績效的共和黨議員的廣泛同意，對Coinbase的投訴得到了廣泛的同意。立法者還同意格雷瓦爾（Grewal）的觀點，即FDIC這樣的金融監管機構公開堅持認為，他們不反對加密貨幣，同時私下將銀行引向行業。

"Biden regulators resorted to vague, interpretive regulatory letters threatening banks with negative examination scores and fines if they continue their partnership with digital asset companies," said Representative Dan Meuser, a Pennsylvania Republican who leads the House subcommittee. "This is serious overreach, one that not only undermines innovation, but directly harms consumers by restricting their access to new and beneficial financial products."

賓夕法尼亞州共和黨代表丹·梅瑟（Dan Meuser）表示：“拜登監管機構訴諸於含糊的，解釋性的監管信，威脅銀行，如果他們繼續與數字資產公司的合作夥伴關係，以負面的考試成績和罰款。” “這是嚴重的推廣，不僅破壞了創新，而且通過限制了他們獲得新的和有益的金融產品的訪問來直接損害消費者。”

Meanwhile, the panel's Democrats flagged concerns with President Donald Trump's own crypto business efforts and pushed back on the argument that cautioning banks against ties with the volatile, fraud-ladened sector was appropriate.

同時，小組民主黨人對唐納德·特朗普（Donald Trump）自己的加密貨幣業務努力表示關注，並拒絕了這樣一個論點，即警告銀行反對與欺詐，欺詐行為的領域的關係是適當的。

"Regulators asking banks to consider the risk associated with the crypto currency industry does not amount to debanking, as my Republican friends are indicating," said Representative Al Green, a Texas lawmaker who is the subcommittee's ranking Democrat. "Regulators simply urged banks to exercise caution when dealing with this emerging and potentially risky industry."

得克薩斯州議員Al Green代表Al Green說：“監管機構要求銀行考慮與加密貨幣行業相關的風險，這不像我的共和黨朋友所指出的那樣逃脫。” “監管機構只是敦促銀行在處理這個新興和潛在冒險行業時要謹慎行事。”

A frustrated judge

沮喪的法官

As the issue was placed under the light of congressional scrutiny for the second day running, Coinbase has been basking in a combination of positive court sentiment and an FDIC policy reversal. The company's legal pursuit of FDIC documents under the Freedom of Information Act have not only gone its way, but a judge in the U.S. District Court for the District of Columbia was incensed about the way the FDIC resisted the request for its communications with banks about crypto.

由於該問題在第二天的國會審查中被置於國會審查之下，因此，Coinbase一直融入了積極的法院情緒和FDIC政策逆轉的結合。該公司根據《信息自由法》對FDIC文件的法律追求不僅走了，而且美國地方法院的哥倫比亞特區法官對FDIC拒絕與銀行有關Crypto的通信的要求感到激怒了。

An FDIC lawyer had asked Judge Ana Reyes to give some extra time while the agency adjusts under new leadership, but the judge refused, saying, "I don't care who your management is." She contended the FDIC's position on the case had been "laughable," according to a court transcript, and that she wanted to not only refuse the delay but to "speed it up dramatically." The judge also demanded answers on accusations that the regulator may have destroyed documents that were related to the case.

FDIC律師要求法官安娜·雷耶斯（Ana Reyes）在機構在新領導下進行調整時提供一些額外的時間，但法官拒絕了，說：“我不在乎您的管理人員是誰。”根據法庭成績單的說法，她認為FDIC在此案上的立場是“可笑的”，她不僅想拒絕延誤，而且要“大幅度地加速”。法官還要求對監管機構可能已經銷毀與案件有關的文件的指控答案。

"Do you understand that right now if I find — and there's going to be an investigation — that any documents were destroyed or if we can't figure out whether any documents were destroyed, you guys are going to come in for some serious sanctions?" the judge asked.

“如果我發現的話，您現在是否知道這一點 - 將會進行調查 - 任何文件都被摧毀了，或者我們不知道是否銷毀任何文件，你們將進行一些嚴重的製裁？ “法官問。

The FDIC jumped to release more documents before the court's deadline this week, and Acting Chairman Travis Hill, who President Donald Trump elevated as he took office last month, said he ordered the agency's staff to review supervisory communications with banks about crypto. The regulator publicly posted "a large batch of documents" in the meantime, he said.

FDIC在本週的截止日期之前在法院的截止日期之前發布了更多文件，代理主席特拉維斯·希爾（Travis Hill）上個月在上任時提升了總統，他說，他命令該機構的工作人員審查與銀行有關加密貨幣的監督溝通。他說，該監管機構在此期間公開發布了“大批文件”。

"Acting Chairman Hill has begun to roll back the FDIC's Operation Chokepoint on crypto," said Grewal in a posting on social media site X, adding that "much more discovery is required."

格雷瓦爾在社交媒體網站X上的一篇文章中說：“代理董事長希爾已經開始倒退FDIC在加密貨幣上的操作。”

While the FDIC has taken much of the heat for the U.S. banking regulators' efforts to limit banks' exposure to crypto clients, Senator Cynthia Lummis revealed an internal Federal Reserve document in a Wednesday hearing that she said provided "hard proof of Operation Chokepoint." That's the name the industry has adopted to characterize the set of informal, behind-the-scenes actions undertaken by regulators to pressure U.S. banks to debank crypto. The Fed's policy seemed to suggest regulatory scrutiny for bankers who engage in controversial speech or activities.

儘管FDIC為美國銀行監管機構限制銀行對加密客戶的付出的努力所做的大部分熱量，但參議員辛西婭·盧米斯（Cynthia Lummis）在周三的一次聽證會上透露了內部美聯儲的文件，她說她提供了“艱難的Copecepoint行動證明”。這就是該行業所採用的名稱，以表徵監管機構為美國銀行撤銷加密貨幣的一套非正式的幕後行動。美聯儲的政策似乎建議對參與有爭議的言論或活動的銀行家進行監管審查。

The interest from the House Financial Services Committee will continue next week with a February 11 hearing entitled "A Golden Age of Digital Assets: Charting a Path Forward."

眾議院金融服務委員會的興趣將於下周繼續，2月11日聽證會題為“數字資產的黃金時代：繪製前進道路”。