美国国会调查拜登管理期间金融监管机构的加密行业撤销

在美国众议院进行的调查和参议院的听证会将检查政府期间的财务监管机构是否是否

The U.S. House of Representatives and Senate will investigate whether financial regulators during the administration of former President Joe Biden deliberately cut off crypto industry leaders and others from the banking system in an inappropriate use of authority.

美国众议院和参议院将调查前总统乔·拜登（Joe Biden）在管理期间的财务监管机构是否故意切断了加密行业领导者和其他人，以使银行体系不适当地使用权威。

A Senate Banking Committee hearing on the matter is scheduled for Feb. 5, while the House Oversight Committee is sending letters to crypto company executives.

有关此事的参议院银行委员会听证会定于2月5日举行，而众议院监督委员会正在向加密货币公司高管发送信件。

The investigation comes amid complaints from the digital assets industry that banks are cutting them off without explanation, while regulators say they were putting the brakes on crypto banking activities due to the risks involved.

这项调查是在数字资产行业的投诉中提出的，即银行在没有解释的情况下将其切断，而监管机构表示，由于涉及的风险，他们正在对加密银行业务进行刹车。

The House committee is investigating whether regulators are putting 'implicit or explicit pressure' on banks to stop working with crypto firms, Comer said.

科默说，众议院委员会正在调查监管机构是否正在向银行施加“隐性或明确的压力”，以停止与加密货币公司合作。

WASHINGTON, D.C. – The U.S. House of Representatives and Senate will investigate whether financial regulators during the administration of former President Joe Biden deliberately cut off crypto industry leaders and others from the banking system in an inappropriate use of authority.

华盛顿特区 - 美国众议院和参议院众议院将调查前总统乔·拜登（Joe Biden）在管理期间的财务监管机构是否故意切断了加密行业领导者和其他人，以使银行体系不适当地使用权威。

A Senate Banking Committee hearing on the matter is scheduled for Feb. 5, while the House Oversight Committee is sending letters to crypto company executives. The investigations will delve into the systemic severing of crypto insiders from U.S. banks, a move that has been dubbed "Operation Chokepoint 2.0" by Republican lawmakers and the digital assets industry.

有关此事的参议院银行委员会听证会定于2月5日举行，而众议院监督委员会正在向加密货币公司高管发送信件。调查将深入研究美国银行的加密货币内部人士的系统性切断，这一举动被共和党议员和数字资产行业称为“ Chokepoint 2.0”行动。

The term references an earlier era's Operation Chokepoint — a government-sanctioned effort to reduce risk in banking by encouraging the lenders to back away from legal but otherwise risky businesses. Now, Republicans allege that the Biden administration is using a similar tactic to target crypto and conservative interests.

该术语引用了早期时代的操作障碍 - 通过鼓励贷方退出法律但有风险的业务来降低银行业务风险的努力。现在，共和党人声称，拜登政府正在采用类似的策略来针对加密和保守的利益。

"Debanking is un-American — every legal business deserves to be treated the same regardless of their political beliefs," said Senate Banking Committee Chair Tim Scott (R-S.C.), who took over the gavel earlier this month. "Unfortunately, under Operation Chokepoint 2.0, Biden regulators abused their power and forced financial institutions to cut off services to digital asset firms, political figures, and conservative-aligned businesses and individuals."

参议院银行业委员会主席蒂姆·斯科特（RS.C.）说：“撤销是非美国人 - 不管他们的政治信仰如何，每个法律业务都应得到同样的对待。” “不幸的是，在Chokepoint 2.0行动下，拜登监管机构滥用了其权力，并迫使金融机构为数字资产公司，政治人物以及保守的企业和个人提供服务。”

The committee will examine the 'debanking practice' in the upcoming hearing, Scott said in a statement on Friday.

斯科特在周五的一份声明中说，委员会将在即将举行的听证会上审查“撤销惯例”。

The House Oversight Committee, meanwhile, is delving into the struggle of crypto executives and businesses to maintain banking relationships. In a letter dated Jan. 24, the committee chairman, Representative James Comer (R-Ky.), requested information from the founders and CEOs of several crypto companies and organizations, including Coinbase (NASDAQ:COIN), Lightswap and Uniswap Labs.

同时，众议院监督委员会正在深入研究加密高管和企业维持银行关系的斗争。在1月24日的一封信中，委员会主席，代表詹姆斯·科默（R-ky。）要求提供包括Coinbase（NASDAQ：COIN），Lightswap和Uniswap Labs在内的几家加密公司和组织的创始人和首席执行官的信息。

"This Committee is investigating whether this debanking practice originates from the financial institutions themselves or from either implicit or explicit pressure from government regulators," Comer wrote in the letter, which is also addressed to executives at Swan Bitcoin, OpenSea and Dapper Labs.

Comer在信中写道：“该委员会正在调查这种撤销行为是源于金融机构本身还是来自政府监管机构的隐性或明确压力。”

The committee is asking for details on any communications with banking regulators, the Federal Deposit Insurance Corp. or the Office of the Comptroller of the Currency regarding the termination of banking services. It also wants to know whether the companies experienced any difficulties in opening new bank accounts.

该委员会询问有关与银行监管机构，联邦存款保险公司或货币审计长办公室有关终止银行服务的任何通信的详细信息。它还想知道两家公司在开设新银行帐户时是否遇到任何困难。

The letters come amid complaints from the crypto industry that banks are cutting them off without explanation, while regulators say they were putting the brakes on crypto banking activities due to the risks involved.

这些信件是由加密货币行业的投诉，即银行在没有解释的情况下将其切断，而监管机构表示，由于涉及的风险，他们正在对加密银行业务进行刹车。

The challenge of pinning the lack of banking options entirely on the government is that some financial institutions may have made decisions based on their own risk appetites or business plans that deliberately steered clear of crypto interests. And banking regulators such as the FDIC and the OCC were public in their guidance that regulated banks seeking to do crypto business would face restrictions and additional scrutiny from the agencies.

完全将缺乏银行选择的挑战完全在政府身上，这是一些金融机构可能是根据自己的风险食欲或商业计划做出决定的，这些挑战故意避免了加密货币的利益。 FDIC和OCC等银行监管机构在他们的指导下是公开的，试图从事加密货币业务的银行将面临限制和对机构的额外审查。

However, a Coinbase pursuit of private FDIC communications with banks demonstrated that the agency directed them to stop pursuing digital assets services until the regulator had specific rules in place, which it wasn't developing.

但是，对与银行的私人FDIC通信的共同追求表明，该机构指示他们停止寻求数字资产服务，直到监管机构有特定的规则，这不是制定的。

"We are grateful to assist in the thorough investigation of this pernicious practice,” said Kristin Smith, CEO of the Blockchain Association, which also received the House committee's letter probing the trend.

区块链协会首席执行官克里斯汀·史密斯（Kristin Smith）表示：“我们很高兴协助对这种有害做法进行彻底调查。”

Meanwhile, congressional Democrats have been focusing their own investigation requests on President Donald Trump's recently launched meme coin, $TRUMP. He's been accused of using the presidency to rack up billions of dollars, and they cite the token as a potential risk for dangerous conflicts of interest.

同时，国会民主党人一直将自己的调查请求集中在唐纳德·特朗普总统最近发射的梅米硬币$特朗普上。他被指控利用总统职位筹集数十亿美元，他们将代币视为危险利益冲突的潜在风险。

The House Financial Services Committee announced a hearing on the issue late Friday, scheduled for Thursday, Feb. 6.

众议院金融服务委员会宣布了周五晚些时候于2月6日星期四举行的有关该问题的听证会。