CFPB 对加密游戏诈骗发出警告并呼吁加强消费者保护

在最近的一份报告中，消费者金融保护局（CFPB）表达了对以加密货币为中心的游戏的担忧，强调了虚拟世界中诈骗的可能性和消费者保护措施不足的可能性。该机构指出，视频游戏创作者提供可在游戏经济体之外作为加密资产进行交易的虚拟物品的趋势不断增长，使用户能够在第三方平台上将这些资产兑换成法定货币。

United States Consumer Financial Protection Bureau Warns of Crypto Gaming Scams and Weak Consumer Protections

美国消费者金融保护局警告加密游戏诈骗和消费者保护薄弱

Washington, D.C., April 4, 2023 - The United States Consumer Financial Protection Bureau (CFPB) today issued a comprehensive report, "Banking in Video Games and Virtual Worlds," raising concerns about the proliferation of scams and inadequate consumer safeguards in the burgeoning crypto-centric gaming industry.

华盛顿特区，2023 年 4 月 4 日 - 美国消费者金融保护局 (CFPB) 今天发布了一份综合报告《视频游戏和虚拟世界中的银行业务》，引发了人们对新兴加密货币领域诈骗泛滥和消费者保障不足的担忧以游戏产业为中心。

The report highlights the growing trend of game developers integrating virtual items into the real world through the use of crypto assets. Despite the prevalence of gaming platforms such as Roblox and Fortnite, the CFPB emphasizes the increasing adoption of crypto assets in virtual worlds. Third-party trading platforms facilitate the conversion of these digital assets into fiat currencies.

该报告强调了游戏开发商通过使用加密资产将虚拟物品融入现实世界的日益增长的趋势。尽管 Roblox 和 Fortnite 等游戏平台很流行，但 CFPB 强调加密资产在虚拟世界中的采用越来越多。第三方交易平台有助于将这些数字资产转换为法定货币。

The report states: "Notably, some of the largest virtual gaming world publishers have expressed growing interest in positioning their virtual items as crypto-assets that have the ability to be traded outside of the game's economy." This trend has raised concerns among industry experts and consumer advocates alike.

该报告指出：“值得注意的是，一些最大的虚拟游戏世界发行商越来越有兴趣将其虚拟物品定位为能够在游戏经济之外进行交易的加密资产。”这一趋势引起了行业专家和消费者权益倡导者的担忧。

According to Alexander Grieve, government affairs lead at Paradigm, reports such as the one published by the CFPB may foreshadow upcoming regulatory actions. He suggests that the CFPB, like many federal agencies, is seeking to establish its regulatory role in the cryptosphere, with this report potentially serving as a precursor to such measures.

Paradigm 政府事务主管 Alexander Grieve 表示，CFPB 发布的报告可能预示着即将采取的监管行动。他表示，CFPB 与许多联邦机构一样，正在寻求确立其在加密领域的监管作用，这份报告可能成为此类措施的先驱。

The CFPB report emphasizes that online video games and virtual worlds are rapidly evolving into environments that resemble traditional banking systems but currently lack the protections afforded by federal regulations. The agency has received numerous complaints regarding hacking attempts, account theft, and the loss of assets within games, with consumers expressing dissatisfaction over the lack of support provided by gaming companies.

CFPB 报告强调，在线视频游戏和虚拟世界正在迅速演变成类似于传统银行系统的环境，但目前缺乏联邦法规提供的保护。该机构已收到大量有关黑客企图、账户被盗以及游戏内资产丢失的投诉，消费者对游戏公司缺乏支持表示不满。

Rohit Chopra, Director of the CFPB, highlighted the increasing trend of Americans converting billions of dollars into digital currencies for gaming purposes. With banking and payments shifting to virtual realms, the CFPB has made it a priority to safeguard consumers from fraud and financial exploitation.

CFPB 主任罗希特·乔普拉 (Rohit Chopra) 强调了美国人出于游戏目的将数十亿美元兑换成数字货币的趋势日益明显。随着银行和支付转向虚拟领域，CFPB 已将保护消费者免受欺诈和金融剥削作为首要任务。

In line with this objective, the CFPB has recently introduced a proposed rule titled "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications." This rule would grant the agency oversight over "larger nonbank firms" that provide digital wallet and payment app services. It mandates nonbank financial entities processing over five million transactions annually to adhere to regulations akin to those imposed on major banks and credit unions. Although the 62-page rule references cryptocurrency sparingly, critics contend that it "asserts authority over cryptocurrency" in an inappropriate and overreaching manner.

为了实现这一目标，CFPB 最近提出了一项名为“定义通用数字消费者支付应用市场的更大参与者”的拟议规则。该规则将授予该机构对提供数字钱包和支付应用程序服务的“大型非银行公司”的监督权。它要求每年处理超过 500 万笔交易的非银行金融实体遵守类似于对主要银行和信用合作社实施的法规。尽管长达 62 页的规则很少提及加密货币，但批评者认为，它以不恰当且过度的方式“维护了对加密货币的权威”。

The CFPB's report and proposed rule underscore the agency's growing concern over the potential risks associated with the proliferation of crypto assets and virtual banking in the gaming industry. As the convergence of gaming, finance, and technology continues to disrupt the traditional financial landscape, consumers are advised to exercise caution and be aware of the inherent risks involved in navigating these uncharted waters.

CFPB 的报告和拟议规则突显了该机构对游戏行业加密资产和虚拟银行激增相关潜在风险的日益担忧。随着游戏、金融和技术的融合继续扰乱传统的金融格局，建议消费者谨慎行事，并意识到在这些未知领域航行所涉及的固有风险。