FDIC DREPS 2022規則迫使銀行在從事加密活動之前獲得事先批准

此舉為金融機構打開了探索數字資產空間的大門，而無需等待從未到來的批准。

The Federal Deposit Insurance Corp (FDIC) is dropping its 2022 rule that forced banks to get prior approval before engaging in crypto activities, according to a report by The Block.

根據該街區的一份報告，聯邦存款保險公司（FDIC）正在刪除其2022年的規則，該規則迫使銀行在從事加密活動之前先獲得事先批准。

The move will allow financial institutions to explore the digital asset space without waiting for approvals that never arrived.

此舉將使金融機構能夠探索數字資產空間，而無需等待從未到達的批准。

The FDIC’s new guidance confirms that the “FDIC-supervised institutions may engage in permissible activities, including activities involving new and emerging technologies such as crypto-assets and digital assets, provided that they adequately manage the associated risks.”

FDIC的新指南証實，“ FDIC監督機構可以從事允許的活動，包括涉及新技術和新興技術的活動，例如加密資產和數字資產，只要它們可以充分管理相關風險。”

Further, as with all other activities, the institutions should consider the associated risks, consumer protection requirements; and anti-money laundering requirements and consult with their supervisors when needed.

此外，與所有其他活動一樣，機構應考慮相關風險，消費者保護要求；和反洗錢要求，並在需要時與他們的主管諮詢。

FDIC Shifts Stance After Legal Battle with Coinbase

FDIC在與Coinbase法律鬥爭後轉移立場

The FDIC, which oversees many small banks and protects the banking system, played a big role in the crypto debanking issue. A lawsuit with Coinbase showed the FDIC told banks to avoid crypto deals while creating new rules, but never actually set any.

FDIC負責監督許多小型銀行並保護銀行體系，在加密貨幣爆炸問題中發揮了重要作用。 Coinbase的訴訟表明，FDIC告訴銀行在製定新規則時避免了加密交易，但實際上從未設定任何規則。

This new move comes after President Trump appointed crypto-friendly leaders and urged his administration to support the industry.

在特朗普總統任命對加密貨幣友好的領導人並敦促他的政府支持該行業的新舉動。

According to Acting Chairman Travis Hill, the new guidance marks a shift away from the previous, ‘flawed approach’ which the FDIC had taken over the last three years.

根據代理主席特拉維斯·希爾（Travis Hill）的說法，新的指導標誌著FDIC在過去三年中所採取的“有缺陷的方法”的轉變。

“I expect this to be one of several steps the FDIC will take to lay out a new approach for how banks can engage in crypto- and blockchain-related activities in accordance with safety and soundness standards,” he noted.

他指出：“我希望這是FDIC將採取的幾個步驟之一，以根據安全性和健全標準制定銀行如何從事加密和區塊鏈相關的活動。”

Bo Hines, head of the White House’s digital assets advisory council, praised the the move as a “huge step forward” in a social media post.

白宮數字資產諮詢委員會負責人Bo Hines稱這一舉動是社交媒體帖子中“巨大的一步”。

Previously, the FDIC, Federal Reserve, and OCC all required banks to get pre-approval before engaging in crypto activities.

以前，FDIC，美聯儲和OCC都要求銀行在從事加密活動之前先進行預先批准。

The Office of the Comptroller of the Currency (OCC) recently reversed its 2022 guidance, which had been issued during a time when the digital asset industry was facing significant issues like failures of major companies and high-profile fraud cases, including the downfall of the global crypto exchange FTX. This move signals a shift in how regulators view the digital assets sector.

貨幣審計長辦公室（OCC）最近扭轉了其2022年的指導，該指南是在數字資產行業面臨重大問題之類的時期發布的，例如大公司的失敗和備受矚目的欺詐案件，包括全球加密貨幣交易所FTX的失敗。此舉標誌著監管機構如何看待數字資產行業的轉變。