德賓宣布立法以規范美國的加密自動櫃員機行業

在一次訪問中，機器人被用於受害者損失了數千美元的騙局，這些機器被越來越多地審查。

Legislation was announced Tuesday by Illinois Sen. Dick Durbin that would introduce sweeping new regulations for the nation’s crypto ATM industry.

伊利諾伊州參議員迪克·杜賓（Dick Durbin）週二宣布了立法，該立法將為全國加密自動櫃員機行業介紹新的法規。

The kiosks have come under increasing scrutiny as they are being used in scams where victims have lost thousands of dollars — in a single visit.

售貨亭在一次訪問中被用來損失了數千美元的騙局中受到了越來越多的審查。

The Crypto ATM Fraud Prevention Act would prevent new users from spending more than $2,000 in a day or $10,000 over a 14-day period to purchase cryptocurrency at a bitcoin ATM. The bill would also require companies to speak directly with new customers seeking to make transactions over $500 and mandate full refunds when those users file a police report and alert operators within 30 days of their transaction.

《加密ATM ATM欺詐預防法》將防止新用戶每天花費超過2,000美元，或者在14天的時間內花費10,000美元，以在比特幣ATM上購買加密貨幣。該法案還將要求公司直接與尋求進行超過500美元的交易的新客戶交談，並在這些用戶在交易後30天內提交警察報告並提醒運營商發出警報時，要求全額退款。

“As our technology has evolved and become more sophisticated, so have scammers,” Durbin, the top Democrat on the Senate Judiciary Committee, said in a statement. “Nefarious actors are now using intimidation and manipulation to scare Americans, particularly seniors, into dumping their life savings into cryptocurrency ATMs.” The bill, he said, would “help curb the efficacy of these scams.”

參議院司法委員會的最高民主黨人德賓在一份聲明中說：“隨著我們技術的發展並變得越來越複雜，騙子也變得更加複雜。” “邪惡的演員現在正在利用恐嚇和操縱來嚇amimans，尤其是老年人，將他們的生命儲蓄倒入加密貨幣自動化股票中。”他說，該法案將“有助於遏制這些騙局的功效”。

At least $114 million in losses from scams involving bitcoin ATMs were reported to the Federal Trade Commission in 2023. Advocates and law enforcement say older adults are particularly vulnerable to such crimes.

2023年向聯邦貿易委員會報告了涉及比特幣ATM的騙局造成的至少1.14億美元的損失。擁護者和執法部門表示，老年人特別容易受到此類罪行的影響。

NBC News has previously reported on the scams, which advocates say have proliferated in the wake of regulatory gaps. Some victims have been falsely led to believe they were facing arrest or owed fines for missing jury duty.

NBC News先前曾報導過這些騙局，倡導者說，在監管差距之後，騙子已經激增。一些受害者被錯誤地導致人們認為他們因缺席陪審團而面臨逮捕或欠罰款。

Eric Reisman, a 67-year-old retired special education teacher, said he fell for a jury duty scam in January. The Baltimore County resident said he lost $7,000 after paying the supposed fine by feeding bills into a bitcoin ATM. It’s possible, he said, that there was a warning at the machine that he skipped past.

現年67歲的退休特殊教育老師埃里克·雷斯曼（Eric Reisman）說，他在一月份因陪審團騙局而摔倒。巴爾的摩縣居民說，他通過向比特幣ATM付款來支付了罰款後損失了7,000美元。他說，有可能在機器上有警告他跳過了。

“I was hypnotized, that’s the best I can say,” Reisman said. “Why would I have spent four and half hours on this thing and not woken up?”

雷斯曼說：“我被催眠了，這是我能說的最好的。” “為什麼我要花四個半小時在這件事上而不是醒來？”

Having an interaction with a customer service representative might have helped break the spell, he said.

他說，與客戶服務代表進行互動可能有助於打破咒語。

“If somebody called me and said, ‘Wait a second, what are you doing? Why are you putting in so much money, and do you have more money you’re going to put in?’ that would have saved me as well,” Reisman said.

“如果有人打電話給我說，'等一下，你在做什麼？你為什麼要投入這麼多錢，你要投入更多的錢？那也會拯救我。”雷斯曼說。

The Senate bill comes as the kiosks have become more accessible, popping up in gas stations and grocery stores in communities across the United States.

參議院法案是隨著售貨亭變得更加容易獲得的，在美國社區的加油站和雜貨店彈出。

Consumer watchdogs have pushed for federal oversight of the industry. At least three states — Minnesota, California and Vermont — already have daily transaction limits for bitcoin ATMs. The Senate bill says it will defer to state regulations, provided they are not in conflict or less stringent.

消費者看門狗推動了聯邦對行業的監督。明尼蘇達州，加利福尼亞州和佛蒙特州至少有三個州已經對比特幣ATM的每日交易限制。參議院法案表示，只要他們沒有衝突或更嚴格，它將遞給州法規。

In the fall, Durbin led an inquiry from a group of Democratic senators questioning how the country’s 10 largest bitcoin ATM operators were protecting elderly users from scams.

在秋天，德賓領導了一群民主黨參議員的詢問，詢問該國的10個最大的比特幣ATM運營商如何保護老年使用者免受騙局的侵害。

The companies said they required users to acknowledge warnings about potential fraud and most set daily transaction limits around $25,000.

兩家公司表示，他們要求用戶承認有關潛在欺詐的警告，並且大多數日常交易限制約為25,000美元。

NBC News reached out to three crypto ATM operators — Bitcoin Depot, CoinFlip and Athena Bitcoin — for comment on Durbin's legislation. These companies operate the most bitcoin ATMs in the U.S., according to Coin ATM Radar, a website that tracks them.

NBC News向三位加密貨幣ATM運營商（比特幣倉庫，Coinflip和Athena Bitcoin）取得了聯繫，以評論Durbin的立法。跟踪它們的網站Coin ATM Radar表示，這些公司在美國運營最多的比特幣ATM。

A spokesperson for CoinFlip said in a statement that the kiosks are used by thousands daily for “legitimate transactions,” calling them “critical” to the cryptocurrency sphere.

Coinflip的發言人在一份聲明中說，這些售貨亭每天被數千人用於“合法交易”，稱它們對加密貨幣領域“至關重要”。

“We support legislation that includes strong and consistent protections for consumers, while preserving their right to access digital currencies, and we look forward to working with Sen. Durbin on this important issue,” the statement read.

聲明說：“我們支持包括對消費者的強大和一致保護的立法，同時保留其使用數字貨幣的權利，我們期待與參議員德賓合作解決這一重要問題。”

A spokesperson for Bitcoin Depot declined to comment. Athena Bitcoin did not immediately respond.

比特幣倉庫發言人拒絕發表評論。雅典娜比特幣沒有立即回應。

When similar regulations have been debated at the state level, some companies have argued they might still be evaded if scammers simply directed victims to go to more than one site.

當在州一級辯論類似的法規時，一些公司認為，如果騙子只是指示受害者去多個地點，他們可能仍會被逃避。

If the bill passes, the Treasury Department could fine companies $10,000 for each day violations persist.

如果法案通過，財政部每天可能會罰款10,000美元的違規行為。

Americans for Financial Reform is one of several watchdog groups that have endorsed the legislation. Mark Hays, its associate director for cryptocurrency and financial technology, describes the legislation as a “good first step” in tackling practices within the crypto industry that have allowed fraud to flourish.

美國金融改革的美國人是認可該立法的幾個監管機構之一。其加密貨幣和金融技術副總監馬克·海斯（Mark Hays）將立法描述為解決加密行業中允許欺詐行為的實踐的“好第一步”。

“This bill won’t solve all those problems,” he said, “but it can help.”

他說：“該法案將無法解決所有這些問題，但這可以提供幫助。”