美國國會調查拜登管理期間金融監管機構的加密行業撤銷

美國眾議院的調查和參議院的聽證會將檢查政府期間財務監管機構是否是否

The U.S. House of Representatives and Senate will investigate whether financial regulators during the administration of former President Joe Biden deliberately cut off crypto industry leaders and others from the banking system in an inappropriate use of authority.

美國眾議院和參議院將調查前總統喬·拜登（Joe Biden）在管理期間的財務監管機構是否故意切斷了加密行業領導者和其他人，以使銀行體係不適當地使用權威。

A Senate Banking Committee hearing on the matter is scheduled for Feb. 5, while the House Oversight Committee is sending letters to crypto company executives.

有關此事的參議院銀行委員會聽證會定於2月5日舉行，而眾議院監督委員會正在向加密貨幣公司高管發送信件。

The investigation comes amid complaints from the digital assets industry that banks are cutting them off without explanation, while regulators say they were putting the brakes on crypto banking activities due to the risks involved.

這項調查是在數字資產行業的投訴中提出的，即銀行在沒有解釋的情況下將其切斷，而監管機構表示，由於涉及的風險，他們正在對加密銀行業務進行剎車。

The House committee is investigating whether regulators are putting 'implicit or explicit pressure' on banks to stop working with crypto firms, Comer said.

科默說，眾議院委員會正在調查監管機構是否正在向銀行施加“隱性或明確的壓力”，以停止與加密貨幣公司合作。

WASHINGTON, D.C. – The U.S. House of Representatives and Senate will investigate whether financial regulators during the administration of former President Joe Biden deliberately cut off crypto industry leaders and others from the banking system in an inappropriate use of authority.

華盛頓特區 - 美國眾議院和參議院眾議院將調查前總統喬·拜登（Joe Biden）在管理期間的財務監管機構是否故意切斷了加密行業領導者和其他人，以使銀行體係不適當地使用權威。

A Senate Banking Committee hearing on the matter is scheduled for Feb. 5, while the House Oversight Committee is sending letters to crypto company executives. The investigations will delve into the systemic severing of crypto insiders from U.S. banks, a move that has been dubbed "Operation Chokepoint 2.0" by Republican lawmakers and the digital assets industry.

有關此事的參議院銀行委員會聽證會定於2月5日舉行，而眾議院監督委員會正在向加密貨幣公司高管發送信件。調查將深入研究美國銀行的加密貨幣內部人士的系統性切斷，這一舉動被共和黨議員和數字資產行業稱為“ Chokepoint 2.0”行動。

The term references an earlier era's Operation Chokepoint — a government-sanctioned effort to reduce risk in banking by encouraging the lenders to back away from legal but otherwise risky businesses. Now, Republicans allege that the Biden administration is using a similar tactic to target crypto and conservative interests.

該術語引用了早期時代的操作障礙 - 通過鼓勵貸方退出法律但有風險的業務來降低銀行業務風險的努力。現在，共和黨人聲稱，拜登政府正在採用類似的策略來針對加密和保守的利益。

"Debanking is un-American — every legal business deserves to be treated the same regardless of their political beliefs," said Senate Banking Committee Chair Tim Scott (R-S.C.), who took over the gavel earlier this month. "Unfortunately, under Operation Chokepoint 2.0, Biden regulators abused their power and forced financial institutions to cut off services to digital asset firms, political figures, and conservative-aligned businesses and individuals."

參議院銀行業委員會主席蒂姆·斯科特（RS.C.）說：“撤銷是非美國人 - 不管他們的政治信仰如何，每個法律業務都應得到同樣的對待。” “不幸的是，在Chokepoint 2.0行動下，拜登監管機構濫用了其權力，並迫使金融機構為數字資產公司，政治人物以及保守的企業和個人提供服務。”

The committee will examine the 'debanking practice' in the upcoming hearing, Scott said in a statement on Friday.

斯科特在周五的一份聲明中說，委員會將在即將舉行的聽證會上審查“撤銷慣例”。

The House Oversight Committee, meanwhile, is delving into the struggle of crypto executives and businesses to maintain banking relationships. In a letter dated Jan. 24, the committee chairman, Representative James Comer (R-Ky.), requested information from the founders and CEOs of several crypto companies and organizations, including Coinbase (NASDAQ:COIN), Lightswap and Uniswap Labs.

同時，眾議院監督委員會正在深入研究加密高管和企業維持銀行關係的鬥爭。在1月24日的一封信中，委員會主席，代表詹姆斯·科默（R-ky。）要求提供包括Coinbase（NASDAQ：COIN），Lightswap和Uniswap Labs在內的幾家加密公司和組織的創始人和首席執行官的信息。

"This Committee is investigating whether this debanking practice originates from the financial institutions themselves or from either implicit or explicit pressure from government regulators," Comer wrote in the letter, which is also addressed to executives at Swan Bitcoin, OpenSea and Dapper Labs.

Comer在信中寫道：“該委員會正在調查這種撤銷行為是源於金融機構本身還是來自政府監管機構的隱性或明確壓力。”

The committee is asking for details on any communications with banking regulators, the Federal Deposit Insurance Corp. or the Office of the Comptroller of the Currency regarding the termination of banking services. It also wants to know whether the companies experienced any difficulties in opening new bank accounts.

該委員會詢問有關與銀行監管機構，聯邦存款保險公司或貨幣審計長辦公室有關終止銀行服務的任何通信的詳細信息。它還想知道兩家公司在開設新銀行帳戶時是否遇到任何困難。

The letters come amid complaints from the crypto industry that banks are cutting them off without explanation, while regulators say they were putting the brakes on crypto banking activities due to the risks involved.

這些信件是由加密貨幣行業的投訴，即銀行在沒有解釋的情況下將其切斷，而監管機構表示，由於涉及的風險，他們正在對加密銀行業務進行剎車。

The challenge of pinning the lack of banking options entirely on the government is that some financial institutions may have made decisions based on their own risk appetites or business plans that deliberately steered clear of crypto interests. And banking regulators such as the FDIC and the OCC were public in their guidance that regulated banks seeking to do crypto business would face restrictions and additional scrutiny from the agencies.

完全將缺乏銀行選擇的挑戰完全在政府身上，這是一些金融機構可能是根據自己的風險食慾或商業計劃做出決定的，這些挑戰故意避免了加密貨幣的利益。 FDIC和OCC等銀行監管機構在他們的指導下是公開的，試圖從事加密貨幣業務的銀行將面臨限制和對機構的額外審查。

However, a Coinbase pursuit of private FDIC communications with banks demonstrated that the agency directed them to stop pursuing digital assets services until the regulator had specific rules in place, which it wasn't developing.

但是，對與銀行的私人FDIC通信的共同追求表明，該機構指示他們停止尋求數字資產服務，直到監管機構有特定的規則，這不是製定的。

"We are grateful to assist in the thorough investigation of this pernicious practice,” said Kristin Smith, CEO of the Blockchain Association, which also received the House committee's letter probing the trend.

區塊鏈協會首席執行官克里斯汀·史密斯（Kristin Smith）表示：“我們很高興協助對這種有害做法進行徹底調查。”

Meanwhile, congressional Democrats have been focusing their own investigation requests on President Donald Trump's recently launched meme coin, $TRUMP. He's been accused of using the presidency to rack up billions of dollars, and they cite the token as a potential risk for dangerous conflicts of interest.

同時，國會民主黨人一直將自己的調查請求集中在唐納德·特朗普總統最近發射的梅米硬幣$特朗普上。他被指控利用總統職位籌集數十億美元，他們將代幣視為危險利益衝突的潛在風險。

The House Financial Services Committee announced a hearing on the issue late Friday, scheduled for Thursday, Feb. 6.

眾議院金融服務委員會宣布了周五晚些時候於2月6日星期四舉行的有關該問題的聽證會。