FDIC更新其準則，允許銀行未經批准而參與與加密相關的活動

聯邦存款保險公司（FDIC）已更新了其指南，允許銀行未經事先批准，從事與加密相關的活動。

The Federal Deposit Insurance Corporation (FDIC) has updated its guidelines, permitting banks to engage in crypto-related activities without prior approval. This shift marks a departure from earlier policies that required banks to notify the FDIC before participating in cryptocurrency and blockchain-related services.

聯邦存款保險公司（FDIC）已更新了其指南，允許銀行未經事先批准，從事與加密相關的活動。這種轉變標誌著要求銀行在參與加密貨幣和與區塊鏈相關的服務之前通知FDIC的早期政策。

The move comes as part of the FDIC’s ongoing efforts to establish clearer rules for financial institutions involved in digital assets.

此舉是FDIC正在進行的為數字資產中涉及的金融機構制定更清晰規則的努力的一部分。

The new guidance from the FDIC, displayed in the agency’s agenda for the upcoming meeting, cancels a 2022 policy that required FDIC-supervised institutions to notify the agency before engaging in crypto-related activities.

FDIC的新指南在該機構的即將舉行的會議議程中顯示，取消了一項2022年的政策，要求FDIC監督機構在參與與加密相關的活動之前通知該機構。

The previous requirement was established in the Financial Institution Letter (FIL-16-2022) that made it mandatory for any institution intending to engage in crypto activities to seek approval from the institution.

先前的要求是在金融機構的信中（FIL-16-2022）中建立的，該信件要求任何打算從事加密活動尋求該機構批准的機構。

This new directive also means that banks are allowed to engage in business models that involve cryptocurrencies and other digital assets provided that the risks are managed well.

該新指令還意味著，只要風險得到很好的管理，允許銀行參與涉及加密貨幣和其他數字資產的業務模型。

Announcing the decision, the FDIC’s acting chairman, Travis Hill said, “By today’s decision the agency rejects the erroneous policy of the last three years.”

FDIC的代理主席特拉維斯·希爾（Travis Hill）宣布這一決定：“根據今天的決定，該機構拒絕了過去三年的錯誤政策。”

However, the FDIC stressed that banks need to continue implementing standard safety measures for handling crypto operations, including operational risk, cybersecurity risk, and market risk.

但是，FDIC強調，銀行需要繼續實施處理加密操作的標準安全措施，包括運營風險，網絡安全風險和市場風險。

The new policy, which is part of broader regulatory changes in the U.S.

新政策是美國更廣泛的監管變化的一部分

financial sector to adapt to technological advancements, means that banks supervised by the FDIC may participate in activities in innovations, including blockchain and crypto-assets, without necessarily seeking approval from the FDIC in advance.

金融部門適應技術進步，這意味著，FDIC監督的銀行可以參與包括區塊鍊和加密資產在內的創新活動，而無需提前尋求FDIC的批准。

Nevertheless, the agency clarified that risk assessment and management remain obligatory for banks as well as liquidity risks, consumer protection, and measures against money laundering (AML).

儘管如此，該機構澄清說，風險評估和管理仍然對銀行以及流動性風險，消費者保護以及針對洗錢的措施（AML）。

The newly proposed approach corresponds with the FDIC’s mission in overseeing the safety and soundness of banks while at the same time permitting corresponding innovation in the banking industry. The agency also stated that it would coordinate with other authorities to level up more directives to be followed for crypto-related operations that are acceptable with the banking system.

新提出的方法與FDIC的任務相對應，以監督銀行的安全性和合理性，同時允許銀行業的相應創新。該機構還表示，將與其他當局進行協調，以升級更多指令，以遵循與加密相關的運營，這些操作可以接受銀行系統。

The change in the FDIC guidelines has been seen as positive by representatives from the industry as it undeniably moves the crypto further in to the banking sphere.

該行業的代表無疑將加密貨幣進一步推向銀行領域，該行業的代表將FDIC指南的變化視為積極的變化。

According to Bo Hines, who serves as the executive director of the President’s Council of Advisers for Digital Assets, the decision is a "big win" for the sector. This means that the entry of the banks to the new digital asset market has experienced less hurdle by eliminating previous approval requirements by the FDIC.

據擔任總統數字資產顧問委員會執行董事的博·海因斯（Bo Hines）認為，該決定是該行業的“大勝利”。這意味著，銀行進入新的數字資產市場的進入，通過消除了FDIC以前的批准要求，經歷了較少的障礙。

The new guidelines are also part of a broader shift in regulatory attitudes toward cryptocurrencies, following similar actions by other U.S. financial regulators. Earlier this month, the Office of the Comptroller of the Currency (OCC) also loosened restrictions on crypto-related activities for federally chartered banks.

在美國其他金融監管機構採取類似行動之後，新的指南也是監管態度的更廣泛轉變的一部分。本月早些時候，貨幣審計長辦公室（OCC）也放鬆了對聯邦特許銀行與加密相關的活動的限制。

While the new guidance provides more freedom for banks to engage in crypto-related activities, the FDIC has emphasized that it will continue to engage with the President’s Working Group on Digital Asset Markets. The FDIC also expects to issue further guidance in the future to provide more clarity on specific crypto-related activities, such as custodial services and lending platforms.

儘管新指南為銀行提供了更多與加密相關活動的自由，但FDIC強調，它將繼續與總統的數字資產市場工作組互動。 FDIC還希望將來發出進一步的指導，以更加清楚與加密相關的活動，例如託管服務和貸款平台。