德宾宣布立法以规范美国的加密自动柜员机行业

在一次访问中，机器人被用于受害者损失了数千美元的骗局，这些机器被越来越多地审查。

Legislation was announced Tuesday by Illinois Sen. Dick Durbin that would introduce sweeping new regulations for the nation’s crypto ATM industry.

伊利诺伊州参议员迪克·杜宾（Dick Durbin）周二宣布了立法，该立法将为全国加密自动柜员机行业介绍新的法规。

The kiosks have come under increasing scrutiny as they are being used in scams where victims have lost thousands of dollars — in a single visit.

售货亭在一次访问中被用来损失了数千美元的骗局中受到了越来越多的审查。

The Crypto ATM Fraud Prevention Act would prevent new users from spending more than $2,000 in a day or $10,000 over a 14-day period to purchase cryptocurrency at a bitcoin ATM. The bill would also require companies to speak directly with new customers seeking to make transactions over $500 and mandate full refunds when those users file a police report and alert operators within 30 days of their transaction.

《加密ATM ATM欺诈预防法》将防止新用户每天花费超过2,000美元，或者在14天的时间内花费10,000美元，以在比特币ATM上购买加密货币。该法案还将要求公司直接与寻求进行超过500美元的交易的新客户交谈，并在这些用户在交易后30天内提交警察报告并提醒运营商发出警报时，要求全额退款。

“As our technology has evolved and become more sophisticated, so have scammers,” Durbin, the top Democrat on the Senate Judiciary Committee, said in a statement. “Nefarious actors are now using intimidation and manipulation to scare Americans, particularly seniors, into dumping their life savings into cryptocurrency ATMs.” The bill, he said, would “help curb the efficacy of these scams.”

参议院司法委员会的最高民主党人德宾在一份声明中说：“随着我们技术的发展并变得越来越复杂，骗子也变得更加复杂。” “邪恶的演员现在正在利用恐吓和操纵来吓amimans，尤其是老年人，将他们的生命储蓄倒入加密货币自动化股票中。”他说，该法案将“有助于遏制这些骗局的功效”。

At least $114 million in losses from scams involving bitcoin ATMs were reported to the Federal Trade Commission in 2023. Advocates and law enforcement say older adults are particularly vulnerable to such crimes.

2023年向联邦贸易委员会报告了涉及比特币ATM的骗局造成的至少1.14亿美元的损失。拥护者和执法部门表示，老年人特别容易受到此类罪行的影响。

NBC News has previously reported on the scams, which advocates say have proliferated in the wake of regulatory gaps. Some victims have been falsely led to believe they were facing arrest or owed fines for missing jury duty.

NBC News先前曾报道过这些骗局，倡导者说，在监管差距之后，骗子已经激增。一些受害者被错误地导致人们认为他们因缺席陪审团而面临逮捕或欠罚款。

Eric Reisman, a 67-year-old retired special education teacher, said he fell for a jury duty scam in January. The Baltimore County resident said he lost $7,000 after paying the supposed fine by feeding bills into a bitcoin ATM. It’s possible, he said, that there was a warning at the machine that he skipped past.

现年67岁的退休特殊教育老师埃里克·雷斯曼（Eric Reisman）说，他在一月份因陪审团骗局而摔倒。巴尔的摩县居民说，他通过向比特币ATM付款来支付了罚款后损失了7,000美元。他说，有可能在机器上有警告他跳过了。

“I was hypnotized, that’s the best I can say,” Reisman said. “Why would I have spent four and half hours on this thing and not woken up?”

雷斯曼说：“我被催眠了，这是我能说的最好的。” “为什么我要花四个半小时在这件事上而不是醒来？”

Having an interaction with a customer service representative might have helped break the spell, he said.

他说，与客户服务代表进行互动可能有助于打破咒语。

“If somebody called me and said, ‘Wait a second, what are you doing? Why are you putting in so much money, and do you have more money you’re going to put in?’ that would have saved me as well,” Reisman said.

“如果有人打电话给我说，'等一下，你在做什么？你为什么要投入这么多钱，你要投入更多的钱？那也会拯救我。”雷斯曼说。

The Senate bill comes as the kiosks have become more accessible, popping up in gas stations and grocery stores in communities across the United States.

参议院法案是随着售货亭变得更加容易获得的，在美国社区的加油站和杂货店弹出。

Consumer watchdogs have pushed for federal oversight of the industry. At least three states — Minnesota, California and Vermont — already have daily transaction limits for bitcoin ATMs. The Senate bill says it will defer to state regulations, provided they are not in conflict or less stringent.

消费者看门狗推动了联邦对行业的监督。明尼苏达州，加利福尼亚州和佛蒙特州至少有三个州已经对比特币ATM的每日交易限制。参议院法案表示，只要他们没有冲突或更严格，它将递给州法规。

In the fall, Durbin led an inquiry from a group of Democratic senators questioning how the country’s 10 largest bitcoin ATM operators were protecting elderly users from scams.

在秋天，德宾领导了一群民主党参议员的询问，询问该国的10个最大的比特币ATM运营商如何保护老年使用者免受骗局的侵害。

The companies said they required users to acknowledge warnings about potential fraud and most set daily transaction limits around $25,000.

两家公司表示，他们要求用户承认有关潜在欺诈的警告，并且大多数日常交易限制约为25,000美元。

NBC News reached out to three crypto ATM operators — Bitcoin Depot, CoinFlip and Athena Bitcoin — for comment on Durbin's legislation. These companies operate the most bitcoin ATMs in the U.S., according to Coin ATM Radar, a website that tracks them.

NBC News向三位加密货币ATM运营商（比特币仓库，Coinflip和Athena Bitcoin）取得了联系，以评论Durbin的立法。跟踪它们的网站Coin ATM Radar表示，这些公司在美国运营最多的比特币ATM。

A spokesperson for CoinFlip said in a statement that the kiosks are used by thousands daily for “legitimate transactions,” calling them “critical” to the cryptocurrency sphere.

Coinflip的发言人在一份声明中说，这些售货亭每天被数千人用于“合法交易”，称它们对加密货币领域“至关重要”。

“We support legislation that includes strong and consistent protections for consumers, while preserving their right to access digital currencies, and we look forward to working with Sen. Durbin on this important issue,” the statement read.

声明说：“我们支持包括对消费者的强大和一致保护的立法，同时保留其使用数字货币的权利，我们期待与参议员德宾合作解决这一重要问题。”

A spokesperson for Bitcoin Depot declined to comment. Athena Bitcoin did not immediately respond.

比特币仓库发言人拒绝发表评论。雅典娜比特币没有立即回应。

When similar regulations have been debated at the state level, some companies have argued they might still be evaded if scammers simply directed victims to go to more than one site.

当在州一级辩论类似的法规时，一些公司认为，如果骗子只是指示受害者去多个地点，他们可能仍会被逃避。

If the bill passes, the Treasury Department could fine companies $10,000 for each day violations persist.

如果法案通过，财政部每天可能会罚款10,000美元的违规行为。

Americans for Financial Reform is one of several watchdog groups that have endorsed the legislation. Mark Hays, its associate director for cryptocurrency and financial technology, describes the legislation as a “good first step” in tackling practices within the crypto industry that have allowed fraud to flourish.

美国金融改革的美国人是认可该立法的几个监管机构之一。其加密货币和金融技术副总监马克·海斯（Mark Hays）将立法描述为解决加密行业中允许欺诈行为的实践的“好第一步”。

“This bill won’t solve all those problems,” he said, “but it can help.”

他说：“该法案将无法解决所有这些问题，但这可以提供帮助。”