Crypto取得了重大勝利，因為FDIC刪除了聲譽風險規則

在立法者和加密貨幣行業持續批評之後，聯邦官員正在擺脫有爭議的銀行監督工具。

The White House crypto czar has hailed a key regulatory shift as the Federal Deposit Insurance Corporation (FDIC) will no longer use “reputational risk” as a criterion in bank supervision.

白宮加密沙皇讚揚了關鍵的監管轉變，因為聯邦存款保險公司（FDIC）將不再將“聲譽風險”用作銀行監督標準。

This move aligns with guidance from the U.S. Office of the Comptroller of the Currency (OCC) and follows criticism from lawmakers and the crypto industry.

此舉與美國貨幣審計長辦公室的指導（OCC）相吻合，並遵循立法者和加密貨幣行業的批評。

Announcing the development on Friday, the officials stated that the FDIC will no longer include reputational risk as a factor in its Community Bank supervisory practices. The move follows the introduction of the Financial Integrity and Regulation Management (FIRM) Act by U.S. Senator Tim Scott earlier this month.

官員們在周五宣布該開發項目時表示，FDIC將不再將聲譽風險作為其社區銀行監督慣例的一個因素。此舉是在本月早些時候美國參議員蒂姆·斯科特（Tim Scott）引入了《金融完整性和法規管理（公司）法案》之後。

The FIRM Act aims to prohibit the use of “reputational risk” in federal banking oversight and prevent regulators from using subjective criteria to influence banks’ decisions on serving legally operating businesses.

該公司法案旨在禁止在聯邦銀行監督中使用“聲譽風險”，並防止監管機構使用主觀標準來影響銀行對合法運營企業的決定。

Republican members of the Senate Banking Committee added that the FDIC will eliminate reputational risk from bank supervision.

參議院銀行委員會的共和黨成員補充說，FDIC將消除銀行監督的聲譽風險。

“The FDIC is going to eliminate the use of reputational risk as a component of bank supervision,” the committee members said in a joint statement.

委員會成員在一份聯合聲明中說：“ FDIC將消除使用聲譽風險作為銀行監督的一部分。”

Their remarks further noted that the move follows the advancement of the FIRM Act, which seeks to codify the policy across all federal financial regulators.

他們的評論進一步指出，此舉遵循《公司法》的進步，該法案旨在將所有聯邦金融監管機構的政策編纂。

The officials also thanked Senator Scott for his leadership on the legislation.

官員們還感謝參議員斯科特（Scott）在立法上的領導。

“Thank you to Senator Tim Scott for his leadership on this via the FIRM Act,” one of the officials said.

一位官員說：“感謝參議員蒂姆·斯科特（Tim Scott）通過《公司法》（Forn Call Act）的領導才能。”

Earlier this year, the OCC announced that it would no longer consider reputational risk in its bank supervision activities. The move came in response to concerns raised by lawmakers and industry groups that the factor was being used to unfairly discriminate against certain types of businesses.

今年早些時候，OCC宣布將不再考慮其銀行監督活動中的聲譽風險。此舉是為了回應立法者和行業團體提出的擔憂，即該因素被用來不公平地歧視某些類型的企業。

In January, the OCC updated its bank supervision principles to remove reputational risk as a relevant factor in evaluating a bank’s overall risk management practices.

1月，OCC更新了其銀行監督原則，以消除聲譽風險，這是評估銀行總體風險管理實踐的相關因素。

The changes also align with the Biden administration’s stated priorities of promoting economic growth and opportunity.

這些變化還與拜登政府倡導經濟增長和機會的優先事項保持一致。

The FDIC’s decision is a major victory for the crypto industry, which has been arguing for years that the reputational risk factor is unduly burdensome and stifles innovation.

FDIC的決定是加密貨幣行業的重大勝利，多年來一直認為聲譽風險因素過於繁重並扼殺了創新。

The industry trade group, the Blockchain Association, had urged the FDIC to remove the factor from its supervisory practices.

行業貿易集團是區塊鏈協會，敦促FDIC從其監督實踐中刪除該因素。

“We are grateful to the FDIC for heeding the warnings of economists, legal scholars, and bipartisan lawmakers about the dangers of reputational risk,” the association said in a statement.

協會在一份聲明中說：“我們感謝FDIC注意經濟學家，法律學者和兩黨議員的警告。”

The group added that the factor could be used to discriminate against any type of business that is the target of political or social campaigns.

該小組補充說，該因素可用於區分任何類型的業務，這是政治或社會運動的目標。

“This broad authority to intervene in the operations of any bank, for any reason, is a dangerous overstep by the FDIC,” the association said.

該協會說：“出於任何原因，干預任何銀行的運營的廣泛權力是FDIC的危險超越。”

The changes to the Community Bank supervisory practices are part of the FDIC’s broader effort to modernize its supervisory framework.

社區銀行監督實踐的變化是FDIC為實現其監督框架現代化的更廣泛努力的一部分。

The agency is also working on a new strategic plan for the next five years.

該機構還在未來五年內製定新的戰略計劃。

In other news, the FDIC has announced that banks can now engage in legally permitted cryptocurrency activities without prior regulatory approval, provided they appropriately manage associated risks.

在其他新聞中，FDIC宣布，只要它們適當地管理相關風險，銀行現在可以在沒有事先監管的情況下進行合法允許的加密貨幣活動。

This policy shift, outlined in a new Frequently Asked Questions (FAQ) document released on Friday, inverts the previous requirement for banks to obtain advance permission for any crypto-related activities.

在周五發布的新的常見問題（FAQ）文件中概述了這種政策轉變，這是對銀行獲得任何與加密相關活動的預先許可的先前要求。

The updated policy aligns with the Biden administration’s focus on promoting responsible innovation in emerging technologies.

更新的政策與拜登政府致力於促進新興技術的負責任創新的重點保持一致。

The FAQ document, which covers various topics including bank mergers and the use of artificial intelligence (AI), also includes a section on crypto-related activities.

FAQ文件涵蓋了包括銀行合併和使用人工智能（AI）在內的各種主題，還包括有關加密相關活動的部分。

The FDIC stated that banks are permitted to engage in such activities as long as they are consistent with applicable federal banking law and regulations and are appropriately managed by the bank.

FDIC表示，只要銀行與適用的聯邦銀行法律和法規一致，並由銀行進行適當管理。

This includes integrating crypto-related activities into the bank’s risk management framework and internal controls.

這包括將與加密相關的活動集成到銀行的風險管理框架和內部控制中。

The changes to the Community Bank supervisory practices are part of the FDIC’s broader effort to modernize its supervisory framework.

社區銀行監督實踐的變化是FDIC為實現其監督框架現代化的更廣泛努力的一部分。

The agency is also working on a new strategic plan for the next five years.

該機構還在未來五年內製定新的戰略計劃。

In January, the OCC updated its bank supervision principles to remove reputational risk as a relevant factor in evaluating a bank’s overall risk management practices.

1月，OCC更新了其銀行監督原則，以消除聲譽風險，這是評估銀行總體風險管理實踐的相關因素。

The changes align with the Biden administration’s stated priorities of promoting economic growth and opportunity.

這些變化符合拜登政府促進經濟增長和機會的優先事項。

Earlier this year, the OCC announced that it would no longer consider reputational risk in its bank supervision activities.

今年早些時候，OCC宣布將不再考慮其銀行監督活動中的聲譽風險。

The move came in response to concerns raised by lawmakers and industry groups that the factor was being used to unfairly discriminate against certain types of businesses.

此舉是為了回應立法者和行業團體提出的擔憂，即該因素被用來不公平地歧視某些類型的企業。

The changes to the Community Bank supervisory practices are part of the FDIC’s broader effort to modernize its supervisory framework.

社區銀行監督實踐的變化是FDIC為實現其監督框架現代化的更廣泛努力的一部分。

The agency is also working on a new strategic plan for the next five years.

該機構還在未來五年內製定新的戰略計劃。

In January, the OCC updated its bank supervision principles to remove reputational risk as a relevant factor in evaluating a bank’s overall risk management practices.

1月，OCC更新了其銀行監督原則，以消除聲譽風險，這是評估銀行總體風險管理實踐的相關因素。

The changes align with the Biden administration’s stated priorities of promoting economic growth and opportunity.

這些變化符合拜登政府促進經濟增長和機會的優先事項。

Earlier this year, the OCC announced that it would no longer consider reputational risk in its bank supervision activities

今年早些時候，OCC宣布將不再考慮其銀行監督活動中的聲譽風險