Crypto取得了重大胜利，因为FDIC删除了声誉风险规则

在立法者和加密货币行业持续批评之后，联邦官员正在摆脱有争议的银行监督工具。

The White House crypto czar has hailed a key regulatory shift as the Federal Deposit Insurance Corporation (FDIC) will no longer use “reputational risk” as a criterion in bank supervision.

白宫加密沙皇赞扬了关键的监管转变，因为联邦存款保险公司（FDIC）将不再将“声誉风险”用作银行监督标准。

This move aligns with guidance from the U.S. Office of the Comptroller of the Currency (OCC) and follows criticism from lawmakers and the crypto industry.

此举与美国货币审计长办公室的指导（OCC）相吻合，并遵循立法者和加密货币行业的批评。

Announcing the development on Friday, the officials stated that the FDIC will no longer include reputational risk as a factor in its Community Bank supervisory practices. The move follows the introduction of the Financial Integrity and Regulation Management (FIRM) Act by U.S. Senator Tim Scott earlier this month.

官员们在周五宣布该开发项目时表示，FDIC将不再将声誉风险作为其社区银行监督惯例的一个因素。此举是在本月早些时候美国参议员蒂姆·斯科特（Tim Scott）引入了《金融完整性和法规管理（公司）法案》之后。

The FIRM Act aims to prohibit the use of “reputational risk” in federal banking oversight and prevent regulators from using subjective criteria to influence banks’ decisions on serving legally operating businesses.

该公司法案旨在禁止在联邦银行监督中使用“声誉风险”，并防止监管机构使用主观标准来影响银行对合法运营企业的决定。

Republican members of the Senate Banking Committee added that the FDIC will eliminate reputational risk from bank supervision.

参议院银行委员会的共和党成员补充说，FDIC将消除银行监督的声誉风险。

“The FDIC is going to eliminate the use of reputational risk as a component of bank supervision,” the committee members said in a joint statement.

委员会成员在一份联合声明中说：“ FDIC将消除使用声誉风险作为银行监督的一部分。”

Their remarks further noted that the move follows the advancement of the FIRM Act, which seeks to codify the policy across all federal financial regulators.

他们的评论进一步指出，此举遵循《公司法》的进步，该法案旨在将所有联邦金融监管机构的政策编纂。

The officials also thanked Senator Scott for his leadership on the legislation.

官员们还感谢参议员斯科特（Scott）在立法上的领导。

“Thank you to Senator Tim Scott for his leadership on this via the FIRM Act,” one of the officials said.

一位官员说：“感谢参议员蒂姆·斯科特（Tim Scott）通过《公司法》（Forn Call Act）的领导才能。”

Earlier this year, the OCC announced that it would no longer consider reputational risk in its bank supervision activities. The move came in response to concerns raised by lawmakers and industry groups that the factor was being used to unfairly discriminate against certain types of businesses.

今年早些时候，OCC宣布将不再考虑其银行监督活动中的声誉风险。此举是为了回应立法者和行业团体提出的担忧，即该因素被用来不公平地歧视某些类型的企业。

In January, the OCC updated its bank supervision principles to remove reputational risk as a relevant factor in evaluating a bank’s overall risk management practices.

1月，OCC更新了其银行监督原则，以消除声誉风险，这是评估银行总体风险管理实践的相关因素。

The changes also align with the Biden administration’s stated priorities of promoting economic growth and opportunity.

这些变化还与拜登政府倡导经济增长和机会的优先事项保持一致。

The FDIC’s decision is a major victory for the crypto industry, which has been arguing for years that the reputational risk factor is unduly burdensome and stifles innovation.

FDIC的决定是加密货币行业的重大胜利，多年来一直认为声誉风险因素过于繁重并扼杀了创新。

The industry trade group, the Blockchain Association, had urged the FDIC to remove the factor from its supervisory practices.

行业贸易集团是区块链协会，敦促FDIC从其监督实践中删除该因素。

“We are grateful to the FDIC for heeding the warnings of economists, legal scholars, and bipartisan lawmakers about the dangers of reputational risk,” the association said in a statement.

协会在一份声明中说：“我们感谢FDIC注意经济学家，法律学者和两党议员的警告。”

The group added that the factor could be used to discriminate against any type of business that is the target of political or social campaigns.

该小组补充说，该因素可用于区分任何类型的业务，这是政治或社会运动的目标。

“This broad authority to intervene in the operations of any bank, for any reason, is a dangerous overstep by the FDIC,” the association said.

该协会说：“出于任何原因，干预任何银行的运营的广泛权力是FDIC的危险超越。”

The changes to the Community Bank supervisory practices are part of the FDIC’s broader effort to modernize its supervisory framework.

社区银行监督实践的变化是FDIC为实现其监督框架现代化的更广泛努力的一部分。

The agency is also working on a new strategic plan for the next five years.

该机构还在未来五年内制定新的战略计划。

In other news, the FDIC has announced that banks can now engage in legally permitted cryptocurrency activities without prior regulatory approval, provided they appropriately manage associated risks.

在其他新闻中，FDIC宣布，只要它们适当地管理相关风险，银行现在可以在没有事先监管的情况下进行合法允许的加密货币活动。

This policy shift, outlined in a new Frequently Asked Questions (FAQ) document released on Friday, inverts the previous requirement for banks to obtain advance permission for any crypto-related activities.

在周五发布的新的常见问题（FAQ）文件中概述了这种政策转变，这是对银行获得任何与加密相关活动的预先许可的先前要求。

The updated policy aligns with the Biden administration’s focus on promoting responsible innovation in emerging technologies.

更新的政策与拜登政府致力于促进新兴技术的负责任创新的重点保持一致。

The FAQ document, which covers various topics including bank mergers and the use of artificial intelligence (AI), also includes a section on crypto-related activities.

FAQ文件涵盖了包括银行合并和使用人工智能（AI）在内的各种主题，还包括有关加密相关活动的部分。

The FDIC stated that banks are permitted to engage in such activities as long as they are consistent with applicable federal banking law and regulations and are appropriately managed by the bank.

FDIC表示，只要银行与适用的联邦银行法律和法规一致，并由银行进行适当管理。

This includes integrating crypto-related activities into the bank’s risk management framework and internal controls.

这包括将与加密相关的活动集成到银行的风险管理框架和内部控制中。

The changes to the Community Bank supervisory practices are part of the FDIC’s broader effort to modernize its supervisory framework.

社区银行监督实践的变化是FDIC为实现其监督框架现代化的更广泛努力的一部分。

The agency is also working on a new strategic plan for the next five years.

该机构还在未来五年内制定新的战略计划。

In January, the OCC updated its bank supervision principles to remove reputational risk as a relevant factor in evaluating a bank’s overall risk management practices.

1月，OCC更新了其银行监督原则，以消除声誉风险，这是评估银行总体风险管理实践的相关因素。

The changes align with the Biden administration’s stated priorities of promoting economic growth and opportunity.

这些变化符合拜登政府促进经济增长和机会的优先事项。

Earlier this year, the OCC announced that it would no longer consider reputational risk in its bank supervision activities.

今年早些时候，OCC宣布将不再考虑其银行监督活动中的声誉风险。

The move came in response to concerns raised by lawmakers and industry groups that the factor was being used to unfairly discriminate against certain types of businesses.

此举是为了回应立法者和行业团体提出的担忧，即该因素被用来不公平地歧视某些类型的企业。

The changes to the Community Bank supervisory practices are part of the FDIC’s broader effort to modernize its supervisory framework.

社区银行监督实践的变化是FDIC为实现其监督框架现代化的更广泛努力的一部分。

The agency is also working on a new strategic plan for the next five years.

该机构还在未来五年内制定新的战略计划。

In January, the OCC updated its bank supervision principles to remove reputational risk as a relevant factor in evaluating a bank’s overall risk management practices.

1月，OCC更新了其银行监督原则，以消除声誉风险，这是评估银行总体风险管理实践的相关因素。

The changes align with the Biden administration’s stated priorities of promoting economic growth and opportunity.

这些变化符合拜登政府促进经济增长和机会的优先事项。

Earlier this year, the OCC announced that it would no longer consider reputational risk in its bank supervision activities

今年早些时候，OCC宣布将不再考虑其银行监督活动中的声誉风险