国会审查加密“撤销”时，Coinbase晒太阳地占据了正面的情绪，FDIC政策颠倒了

美国加密货币交易所Coinbase（Coin）的首席律师作证说，在周四对众议院金融服务委员会的听证会上，监管机构滥用了授权的监管机构，这标志着数字资产行业对数字资产行业的最新进步，华盛顿的政策抵抗。

Coinbase (COIN) Chief Legal Officer Paul Grewal testified on Thursday before the House Financial Services Committee about the abuse of authority from regulators who erected barriers between banks and crypto firms.

Coinbase（Coin）首席法律官Paul Grewal周四在众议院金融服务委员会作证说，滥用了对银行和加密货币公司之间障碍的监管机构的滥用。

Coinbase's complaints about "regulation by exhaustion" were met with wide agreement from Republican lawmakers eager to criticize the Biden administration's crypto performance. The lawmakers also agreed with Grewal's view that financial regulators such as the FDIC publicly insisted that they weren't against crypto while privately directing banks away from the industry.

共和党议员们渴望批评拜登政府的加密绩效的共和党议员的广泛同意，对Coinbase的投诉得到了广泛的同意。立法者还同意格雷瓦尔（Grewal）的观点，即FDIC这样的金融监管机构公开坚持认为，他们不反对加密货币，同时私下将银行引向行业。

"Biden regulators resorted to vague, interpretive regulatory letters threatening banks with negative examination scores and fines if they continue their partnership with digital asset companies," said Representative Dan Meuser, a Pennsylvania Republican who leads the House subcommittee. "This is serious overreach, one that not only undermines innovation, but directly harms consumers by restricting their access to new and beneficial financial products."

宾夕法尼亚州共和党代表丹·梅瑟（Dan Meuser）表示：“拜登监管机构诉诸于含糊的，解释性的监管信，威胁银行，如果他们继续与数字资产公司的合作伙伴关系，以负面的考试成绩和罚款。” “这是严重的推广，不仅破坏了创新，而且通过限制了他们获得新的和有益的金融产品的访问来直接损害消费者。”

Meanwhile, the panel's Democrats flagged concerns with President Donald Trump's own crypto business efforts and pushed back on the argument that cautioning banks against ties with the volatile, fraud-ladened sector was appropriate.

同时，小组民主党人对唐纳德·特朗普（Donald Trump）自己的加密货币业务努力表示关注，并拒绝了这样一个论点，即警告银行反对与欺诈，欺诈行为的领域的关系是适当的。

"Regulators asking banks to consider the risk associated with the crypto currency industry does not amount to debanking, as my Republican friends are indicating," said Representative Al Green, a Texas lawmaker who is the subcommittee's ranking Democrat. "Regulators simply urged banks to exercise caution when dealing with this emerging and potentially risky industry."

得克萨斯州议员Al Green代表Al Green说：“监管机构要求银行考虑与加密货币行业相关的风险，这不像我的共和党朋友所指出的那样逃脱。” “监管机构只是敦促银行在处理这个新兴和潜在冒险行业时要谨慎行事。”

A frustrated judge

沮丧的法官

As the issue was placed under the light of congressional scrutiny for the second day running, Coinbase has been basking in a combination of positive court sentiment and an FDIC policy reversal. The company's legal pursuit of FDIC documents under the Freedom of Information Act have not only gone its way, but a judge in the U.S. District Court for the District of Columbia was incensed about the way the FDIC resisted the request for its communications with banks about crypto.

由于该问题在第二天的国会审查中被置于国会审查之下，因此，Coinbase一直融入了积极的法院情绪和FDIC政策逆转的结合。该公司根据《信息自由法》对FDIC文件的法律追求不仅走了，而且美国地方法院的哥伦比亚特区法官对FDIC拒绝与银行有关Crypto的通信的要求感到激怒了。

An FDIC lawyer had asked Judge Ana Reyes to give some extra time while the agency adjusts under new leadership, but the judge refused, saying, "I don't care who your management is." She contended the FDIC's position on the case had been "laughable," according to a court transcript, and that she wanted to not only refuse the delay but to "speed it up dramatically." The judge also demanded answers on accusations that the regulator may have destroyed documents that were related to the case.

FDIC律师要求法官安娜·雷耶斯（Ana Reyes）在机构在新领导下进行调整时提供一些额外的时间，但法官拒绝了，说：“我不在乎您的管理人员是谁。”根据法庭成绩单的说法，她认为FDIC在此案上的立场是“可笑的”，她不仅想拒绝延误，而且要“大幅度地加速”。法官还要求对监管机构可能已经销毁与案件有关的文件的指控答案。

"Do you understand that right now if I find — and there's going to be an investigation — that any documents were destroyed or if we can't figure out whether any documents were destroyed, you guys are going to come in for some serious sanctions?" the judge asked.

“如果我发现的话，您现在是否知道这一点 - 将会进行调查 - 任何文件都被摧毁了，或者我们不知道是否销毁任何文件，你们将进行一些严重的制裁？ “法官问。

The FDIC jumped to release more documents before the court's deadline this week, and Acting Chairman Travis Hill, who President Donald Trump elevated as he took office last month, said he ordered the agency's staff to review supervisory communications with banks about crypto. The regulator publicly posted "a large batch of documents" in the meantime, he said.

FDIC在本周的截止日期之前在法院的截止日期之前发布了更多文件，代理主席特拉维斯·希尔（Travis Hill）上个月在上任时提升了总统，他说，他命令该机构的工作人员审查与银行有关加密货币的监督沟通。他说，该监管机构在此期间公开发布了“大批文件”。

"Acting Chairman Hill has begun to roll back the FDIC's Operation Chokepoint on crypto," said Grewal in a posting on social media site X, adding that "much more discovery is required."

格雷瓦尔在社交媒体网站X上的一篇文章中说：“代理董事长希尔已经开始倒退FDIC在加密货币上的操作。”

While the FDIC has taken much of the heat for the U.S. banking regulators' efforts to limit banks' exposure to crypto clients, Senator Cynthia Lummis revealed an internal Federal Reserve document in a Wednesday hearing that she said provided "hard proof of Operation Chokepoint." That's the name the industry has adopted to characterize the set of informal, behind-the-scenes actions undertaken by regulators to pressure U.S. banks to debank crypto. The Fed's policy seemed to suggest regulatory scrutiny for bankers who engage in controversial speech or activities.

尽管FDIC为美国银行监管机构限制银行对加密客户的付出的努力所做的大部分热量，但参议员辛西娅·卢米斯（Cynthia Lummis）在周三的一次听证会上透露了内部美联储的文件，她说她提供了“艰难的Copecepoint行动证明”。这就是该行业所采用的名称，以表征监管机构为美国银行撤销加密货币的一套非正式的幕后行动。美联储的政策似乎建议对参与有争议的言论或活动的银行家进行监管审查。

The interest from the House Financial Services Committee will continue next week with a February 11 hearing entitled "A Golden Age of Digital Assets: Charting a Path Forward."

众议院金融服务委员会的兴趣将于下周继续，2月11日听证会题为“数字资产的黄金时代：绘制前进道路”。