特朗普政權的不良信仰命令永遠不會停止

這次，Maga Grifter和他的親戚將您的銀行帳戶處於危險之中。到完成後，FDIC將能夠覆蓋我們儲蓄的1％。

The Federal Deposit Insurance Corporation (FDIC) has quietly withdrawn its requirement for banks to get prior FDIC approval before investing in cryptocurrencies.

聯邦存款保險公司（FDIC）已悄悄地撤回了對銀行在投資加密貨幣之前先獲得FDIC批准的要求。

The move, which was announced in a brief press release on Tuesday, could open the door for a wider adoption of digital assets by FDIC-supervised institutions.

此舉是在周二簡短的新聞稿中宣布的，可以為FDIC提供的機構更廣泛地採用數字資產打開大門。

The FDIC’s action comes amid increasing interest in cryptocurrencies from lawmakers and regulators. Earlier this year, the President’s Working Group on Financial Markets (PWG) issued a report on stablecoins, a type of cryptocurrency that is pegged to a stable value, such as the U.S. dollar.

FDIC的行動是由於對立法者和監管機構的加密貨幣的興趣越來越多。今年早些時候，總統金融市場工作組（PWG）發布了有關Stablecoins的報告，Stablecoins是一種加密貨幣，將其固定在穩定的價值上，例如美元。

The PWG report recommended that Congress pass legislation to regulate stablecoins at the federal level.

PWG報告建議國會通過立法來規範聯邦一級的穩定幣。

The FDIC is expected to issue further guidance in the future to provide additional clarity regarding banks’ engagement in particular crypto-related activities.

預計FDIC將來將在未來發出進一步的指導，以提供有關銀行在與加密相關的活動中的參與度的額外明確性。

The FDIC insures deposits in U.S. banks and savings associations. Deposits are guaranteed up to $250,000 per depositor, per insured bank, for the types of deposits that are covered by FDIC insurance.

FDIC確保了美國銀行和儲蓄協會的存款。對於由FDIC保險覆蓋的存款類型，每個存款人的存款最多可保證每位存款人250,000美元。

As of December 2022, the FDIC had about $103.8 billion in assets and $9.9 billion in liabilities, according to the agency’s latest financial statements.

根據該機構的最新財務報表，截至2022年12月，FDIC的資產約為1038億美元，負債為99億美元。

The value of U.S. bank savings accounts totals $10.7 trillion.output: As of December 2022, the Federal Deposit Insurance Corporation (FDIC) had about $103.8 billion in assets and $9.9 billion in liabilities, according to the agency’s latest financial statements.

美國銀行儲蓄帳戶的價值總計107萬億美元。輸出：截至2022年12月，根據該機構的最新財務報表，聯邦存款保險公司（FDIC）的資產約為10038億美元，負債為99億美元。

The FDIC insures deposits in U.S. banks and savings associations. Deposits are guaranteed up to $250,000 per depositor, per insured bank, for the types of deposits that are covered by FDIC insurance.

FDIC確保了美國銀行和儲蓄協會的存款。對於由FDIC保險覆蓋的存款類型，每個存款人的存款最多可保證每位存款人250,000美元。

The FDIC’s action comes amid increasing interest in cryptocurrencies from lawmakers and regulators. Earlier this year, the President’s Working Group on Financial Markets (PWG) issued a report on stablecoins, a type of cryptocurrency that is pegged to a stable value, such as the U.S. dollar.

FDIC的行動是由於對立法者和監管機構的加密貨幣的興趣越來越多。今年早些時候，總統金融市場工作組（PWG）發布了有關Stablecoins的報告，Stablecoins是一種加密貨幣，將其固定在穩定的價值上，例如美元。

The PWG report recommended that Congress pass legislation to regulate stablecoins at the federal level.

PWG報告建議國會通過立法來規範聯邦一級的穩定幣。

The FDIC will continue to engage with the President’s Working Group on Digital Asset Markets and expects to issue further guidance in the future to provide additional clarity regarding banks’ engagement in particular crypto-related activities.

FDIC將繼續與總統的數字資產市場工作組互動，並希望將來發出進一步的指導，以提供有關銀行在與加密貨幣相關的活動中的參與度的額外清晰度。

The new guidance, which rescinds FIL-16-2022, clarifies that FDIC-supervised institutions may engage in permissible crypto-related activities without receiving prior FDIC approval.

撤銷FIL-16-2022的新指南澄清說，FDIC監管機構可以在未經事先獲得FDIC批准的情況下從事允許的加密貨幣相關活動。

The FDIC provides deposit insurance and supervises banks to maintain stability in the U.S. banking system and to protect the credit unions and institutions that serve the nation’s communities.

FDIC提供存款保險，並監督銀行以維持美國銀行系統的穩定性，並保護為國家社區服務的信用合作社和機構。

The agency is also a member of the Financial Stability Board, which monitors and heads off threats to the stability of the global financial system.

該機構還是金融穩定委員會的成員，該委員會監視並承擔對全球金融體系穩定的威脅。

The FDIC was created in 1933 by President Franklin D. Roosevelt in response to the bank failures of the Great Depression. The agency began operations in 1934.

FDIC由富蘭克林·羅斯福總統於1933年成立，以回應大蕭條的銀行失敗。該機構於1934年開始運營。

The FDIC’s actions are likely to be welcomed by the crypto industry, which has been lobbying for greater clarity from regulators on the rules governing digital assets.

FDIC的行動很可能受到加密貨幣行業的歡迎，加密貨幣行業一直在遊說，以更加清楚地監管機構的數字資產規則。

The move could also pave the way for a wider adoption of crypto by banks and other financial institutions.

此舉還可以為銀行和其他金融機構更廣泛地採用加密貨幣鋪平道路。

However, some consumer groups have expressed concern that the FDIC’s actions could put the personal bank accounts of everyday Americans at risk.

但是，一些消費者團體表示擔心外國直接投資的行動可能會使日常美國人的個人銀行帳戶處於危險之中。

The consumer groups argue that the FDIC’s resources are limited and that it would not be able to cover all losses if there is a major failure in the crypto market.

消費者群體認為，FDIC的資源是有限的，如果加密貨幣市場發生重大失敗，它將無法承受所有損失。

They also note that many Americans are already struggling to make ends meet and that any losses on their savings could have a devastating impact on their lives.

他們還指出，許多美國人已經在努力維持生計，而儲蓄的任何損失都可能對他們的生活產生毀滅性的影響。

The FDIC said in its press release that it will continue to monitor the safety and soundness of the institutions it supervises, and that it will take appropriate action to protect the personal bank accounts of consumers.

FDIC在新聞稿中說，它將繼續監控其監督機構的安全性和健全性，並將採取適當的行動來保護消費者的個人銀行帳戶。

It remains to be seen how the FDIC’s actions will affect the adoption of crypto by banks and other financial institutions.

FDIC的行動將如何影響銀行和其他金融機構對加密貨幣的採用還有待觀察。

The agency’s actions could also have implications for the broader economy, as consumer spending is a major driver of economic growth.

該機構的行動也可能對更廣泛的經濟產生影響，因為消費者支出是經濟增長的主要驅動力。

The consumer groups have urged the FDIC to reconsider its decision and to focus on its primary mission of protecting the personal bank accounts of everyday Americans.

消費者團體已敦促FDIC重新考慮其決定，並專注於保護日常美國人的個人銀行帳戶的主要任務。