監管機構與加密貨幣：FDIC發出大量文件轉儲的新方法

聯邦存款保險公司（FDIC）於2月5日發布了175個文件，詳細介紹了其從事加密相關活動的銀行的監督

The Federal Deposit Insurance Corporation (FDIC) released 175 documents on Monday, detailing its oversight of banks that are interested in engaging in crypto-related activities, a move that Acting Chairman Travis Hill said is part of a broader effort to increase transparency.

聯邦存款保險公司（FDIC）週一發布了175個文件，詳細介紹了其對參與加密相關活動感興趣的銀行的監督，這一舉動表示代理主席特拉維斯·希爾（Travis Hill）表示，這是提高透明度的更廣泛努力的一部分。

The FDIC’s move comes amid broader scrutiny of financial regulators limiting market access, an issue that was highlighted during a Senate Banking Committee hearing on debanking on Monday.

FDIC的舉動是在對金融監管機構限制市場訪問的更廣泛審查的情況下進行的，這是參議院銀行業委員會在周一撤銷的情況下強調的問題。

After assuming his role, Hill initiated a review of all supervisory communications regarding crypto banking and explained the timing of the document release.

在擔任角色之後，希爾發起了有關加密銀行的所有監督通信的審查，並解釋了文件發布的時機。

Previously, the FDIC released 25 so-called “pause” letters that were sent to 24 institutions interested in pursuing crypto- or blockchain-related activities.

此前，FDIC發布了25封所謂的“暫停”信件，這些信已發送給有24個有興趣從事加密或區塊鏈相關活動的機構。

The FDIC’s actions align with broader concerns about financial regulators limiting market access, an issue that was highlighted during a Senate Banking Committee hearing on debanking on Monday.

FDIC的行動符合對金融監管機構限制市場訪問的更廣泛的擔憂，這一問題在參議院銀行委員會委員會聽證會上在周一撤銷中得到了強調。

He stressed that access to financial services is a fundamental right, adding that “the message is crystal clear: no regulator, and no bank, is above the principles of fairness and market access.”

他強調說，獲得金融服務是一項基本權利，並補充說：“信息清晰：沒有監管機構，沒有銀行，超出了公平和市場通道的原則。”

Looking forward, Hill stated that the FDIC is reevaluating its regulatory framework for crypto banking, including replacing Financial Institution Letter (FIL) 16-2022 and creating a structured pathway for banks to engage in blockchain-related activities while maintaining safety and soundness.

展望未來，希爾表示，FDIC正在重新評估其用於加密銀行業務的監管框架，包括更換金融機構的信（FIL）16-2022，並為銀行創建了一個結構化的途徑，以便在維持安全性和合理性的同時從事與區塊鏈相關的活動。