FDIC發布了175個有關加密貨幣的文件

聯邦存款保險公司（FDIC）已發布了175個文件，該文件與其參與加密活動的銀行的監督有關。

The Federal Deposit Insurance Corporation (FDIC) has released 175 documents related to its supervision of banks involved in crypto activities. The release comes ahead of a court-ordered deadline and coincides with the upcoming congressional hearing on banking practices and financial access.

聯邦存款保險公司（FDIC）已發布了175個文件，該文件與其參與加密活動的銀行的監督有關。該新聞稿是在法院命令的截止日期之前，與即將舉行的有關銀行業務和財務訪問的國會聽證會相吻合。

The documents, released on Friday, detail the FDIC’s supervision of banks that engaged in or sought to engage in crypto-related activities. The documents reveal patterns of resistance from regulators, with banks facing extended delays, repeated requests for additional information, and directives to pause or refrain from expanding blockchain and crypto-related operations.

這些文件於週五發布，詳細介紹了FDIC對從事或試圖從事加密相關活動的銀行的監督。這些文檔揭示了監管機構的抵抗模式，銀行面臨擴展延誤，重複請求其他信息，以及暫停或避免擴展區塊鍊和與加密相關的操作的指令。

The release follows a court-ordered deadline set for Friday. Acting FDIC Chairman Travis Hill stated that the decision to disclose these documents will increase transparency. The move is also aimed at exceeding the requirements of the Freedom of Information Act (FOIA).

該新聞稿是在周五定於法院下達的截止日期之後。代理FDIC主席特拉維斯·希爾（Travis Hill）表示，披露這些文件的決定將提高透明度。此舉還旨在超越《信息自由法》（FOIA）的要求。

The FDIC had previously disclosed 25 “pause” letters sent to 24 institutions interested in blockchain and crypto-related ventures.

FDIC此前曾披露了25封“暫停”信，發送給對區塊鍊和加密相關企業感興趣的機構。

However, the newly released documents include additional correspondence with these institutions, along with communications involving other banks not previously identified.

但是，新發布的文件包括與這些機構的其他信件，以及涉及其他未識別的其他銀行的通信。

Travis Hill commented,

特拉維斯·希爾評論說，

“The documents that we are releasing today show that requests from these banks were almost universally met with resistance, ranging from repeated requests for further information, to multi-month periods of silence as institutions waited for responses, to directives from supervisors to pause, suspend, or refrain from expanding all crypto- or blockchain-related activity.”

“我們今天發布的文件表明，這些銀行的請求幾乎普遍遭到抵抗，從重複要求的更多信息請求到機構等待回應的多個月沉默，到主管的指令，暫停，暫停，暫停，暫停，暫停，或避免擴展所有與加密或區塊鏈相關的活動。”

The document release comes just before a scheduled congressional hearing on banking practices and financial access. The hearing is expected to focus on concerns over the FDIC’s previous supervisory approach to crypto-related activities, as well as broader issues surrounding regulatory scrutiny of financial institutions.

文件發布就在預定的有關銀行業務和財務訪問的國會聽證會之前。預計聽證會將集中在對FDIC先前與加密相關活動的監督方法的擔憂，以及有關金融機構監管審查的更廣泛問題。

Acting Chairman Hill noted that the documents demonstrate a regulatory environment that made it increasingly difficult for banks to proceed with digital asset initiatives. The disclosures indicate that the vast majority of institutions ultimately halted their crypto-related activities due to regulatory obstacles.

代理主席希爾（Hill）指出，這些文件證明了一個監管環境，這使得銀行很難繼續進行數字資產計劃。披露表明，由於監管障礙，絕大多數機構最終停止了與加密相關的活動。

Following the release, Senator Cynthia Lummis commended the FDIC’s move, emphasizing the importance of government transparency. In a statement, she expressed appreciation for Acting Chairman Hill and the administration for making the documents available to the public.

發布後，參議員辛西婭·盧米斯（Cynthia Lummis）讚揚了FDIC的舉動，強調了政府透明度的重要性。她在一份聲明中對代理主席希爾和政府表示感謝將文件提供給公眾。

Senator Lummis also declared an end to what she referred to as “Chokepoint 2.0,” efforts to limit banking access for businesses in the crypto sector.

參議員盧米斯（Lummis）還宣布結束了她所謂的“ Cokepoint 2.0”，這是為了限制加密貨幣領域企業的銀行業務訪問的努力。

I am thrilled the FDIC acted swiftly & efficiently to release these documents. I want thank Chairman Hill and @POTUS for your commitment to government transparency! We are putting an END to Chokepoint 2.0.

我很高興FDIC迅速而有效地釋放這些文件。我要感謝Hill和@Potus主席對政府透明度的承諾！我們將結束Cokepoint 2.0。

— Senator Cynthia Lummis (@SenLummis) February 5, 2025

- 參議員辛西婭·盧米斯（Cynthia Lummis）（@senlummis）2025年2月5日

Earlier on, pro-crypto Senator Cynthia Lummis warned former Chair Marty Gruenberg against obstructing Senate oversight. She demanded the FDIC preserve all documents tied to OCP 2.0. Lummis also cautioned against retaliation toward whistleblowers, citing potential criminal referrals.

早些時候，親克里普托參議員辛西婭·盧米斯（Cynthia Lummis）警告前主席馬蒂·格魯恩伯格（Marty Gruenberg）妨礙參議院的監督。她要求FDIC保留與OCP 2.0相關的所有文件。盧米斯（Lummis）也警告說，以潛在的刑事轉診為由對舉報人進行報復。

In response to concerns raised by the documents, the FDIC has announced plans to reassess its approach to crypto-related activities. This includes replacing Financial Institution Letter (FIL) 16-2022, a guidance document that is restrictive in engaging with blockchain technology.

為了應對文件提出的擔憂，FDIC宣布了重新評估其與加密相關活動的方法的計劃。這包括替換金融機構的信（FIL）16-2022，這是一份指導文件，該文件限制了與區塊鏈技術的互動。

The FDIC also intends to collaborate with the President’s Working Group on Digital Asset Markets, established by a recent executive order. The agency will develop a regulatory framework that allows institutions to engage in crypto-related activities while adhering to safety principles.

FDIC還打算與最近的行政命令建立的總統數字資產市場工作組合作。該機構將開發一個監管框架，允許機構在遵守安全原則的同時從事與加密相關的活動。

The Federal Deposit Insurance Corporation, under the previous administration, came under fire for Chokepoint 2.0. Coinbase CLO Paul Grewal accused the agency of trying to “kill BTC transactions” and suppress blockchain technology. He claimed FDIC officials hid key evidence in the FOIA case and misused Exemption 8 to cover their tracks.

聯邦存款保險公司在上屆政府的領導下因Cokepoint 2.0而受到抨擊。 Coinbase Clo Paul Grewal指責該機構試圖“殺死BTC交易”並抑制區塊鏈技術。他聲稱FDIC官員在FOIA案中隱藏了主要證據，並濫用豁免8來掩蓋他們的軌道。