美國眾議院委員會對加密貨幣去銀行索賠展開調查

在共和黨議員的控制下，美國眾議院監督和政府改革委員會致函加密貨幣公司和協會的首席執行官，宣布展開調查。

The US House Committee on Oversight and Government Reform announced an investigation into claims that individuals or entities had been debanked based on their ties to the digital asset industry on Jan. 24.

1 月 24 日，美國眾議院監督和政府改革委員會宣布對有關個人或實體因與數位資產行業的關係而被剝奪銀行帳戶的指控展開調查。

In a letter to six crypto industry leaders, Chair James Comer said the oversight committee would explore claims that either financial institutions or representatives of the US government attempted to debank certain individuals. The investigation — based in part on public statements from Uniswap Labs founder and CEO Hayden Adams, Coinbase CEO Brian Armstrong, Kraken founder Jesse Powell, and Lightspark co-founder and CEO David Marcus — will seek information from the Blockchain Association and other industry leaders over the claims.

主席詹姆斯·科默在致六位加密貨幣行業領導人的信中表示，監督委員會將探討金融機構或美國政府代表試圖剝奪某些個人銀行帳戶的指控。該調查部分基於Uniswap Labs 創辦人兼執行長Hayden Adams、Coinbase 執行長Brian Armstrong、Kraken 創辦人Jesse Powell 和Lightspark 聯合創辦人兼執行長David Marcus 的公開聲明，將向區塊鏈協會和其他行業領導者尋求資訊索賠。

“The Committee seeks to ensure that entrepreneurs are not unfairly targeted and, by extension, that all Americans are able to participate in US markets without fear of retaliation through illicit measures undertaken by financial institutions or federal regulators,” wrote Representative Comer.

「委員會力求確保企業家不會受到不公平的攻擊，進而確保所有美國人都能夠參與美國市場，而不必擔心金融機構或聯邦監管機構採取非法措施進行報復，」眾議員科默寫道。

The claim that US government officials, through the Federal Deposit Insurance Corporation (FDIC) or other agencies, were responsible for financial institutions debanking individuals and companies with ties to the crypto industry has been colloquially referred to as “Operation Chokepoint 2.0.” The name is a reference to an initiative under former US President Barack Obama, “Operation Choke Point,” which focused on banks dealing with payday lenders and other high-risk activities.

美國政府官員透過聯邦存款保險公司 (FDIC) 或其他機構對金融機構取消與加密行業相關的個人和公司的銀行帳戶負責的說法被通俗地稱為“Operation Chokepoint 2.0”。該名稱源自美國前總統巴拉克·歐巴馬 (Barack Obama) 發起的一項倡議「窒息點行動」(Operation Choke Point)，該行動重點關注與發薪日貸款機構和其他高風險活動打交道的銀行。

Coinbase helped launch a Freedom of Information Act lawsuit against the FDIC in 2024, requesting the government department provide communication records with financial institutions dealing with crypto-related activities. According to letters made available by the exchange, the FDIC in 2022 requested certain banks “pause” digital asset activities in response to regulatory uncertainty.

Coinbase 於 2024 年協助發起了針對 FDIC 的資訊自由法案訴訟，要求政府部門提供與處理加密相關活動的金融機構的通訊記錄。根據交易所提供的信件，FDIC 在 2022 年要求某些銀行「暫停」數位資產活動，以應對監管的不確定性。

Marc Andreessen, co-founder of venture capital firm Andreessen Horowitz, claimed in November that the debanking efforts targeted “disfavored tech startups.” An a16z representative said on Jan. 24 that the company intended to close its UK offices and focus its efforts on the US market, citing the newly inaugurated Trump administration’s approach to crypto.

創投公司 Andreessen Horowitz 的共同創辦人 Marc Andreessen 去年 11 月聲稱，銀行業務剝離行動針對的是「不受青睞的科技新創公司」。 a16z 的一位代表 1 月 24 日表示，該公司打算關閉其英國辦事處，並將重點放在美國市場，理由是新上任的川普政府對加密貨幣的態度。

Democratic lawmakers on the oversight committee — the party is in the minority in the House of Representatives — called for an investigation into President Donald Trump’s potential conflicts of interest following the launch of his memecoin on Jan. 17. Ranking member Gerald Connolly said the token could raise “serious national security concerns” over potential foreign financial entanglements.

監督委員會中的民主黨議員（該黨在眾議​​院中佔少數）呼籲對唐納德·特朗普總統在1 月17 日推出memecoin 後的潛在利益衝突進行調查。 Connolly) 表示，該代幣可能會對潛在的外國金融糾葛提出「嚴重的國家安全擔憂」。

Republicans’ debanking investigation, which will also explore potentially politically-motivated actions, could be one of the Republican lawmakers’ first policy agendas since the 119th session of the US Congress started on Jan. 3. At the time of publication, no related hearings appeared on the oversight committee’s calendar.

共和黨的去銀行調查也將探討潛在的政治動機行動，這可能是自 1 月 3 日美國國會第 119 屆會議開始以來共和黨議員的首要政策議程之一。委員會的日曆上。