FDIC DREPS 2022规则迫使银行在从事加密活动之前获得事先批准

此举为金融机构打开了探索数字资产空间的大门，而无需等待从未到来的批准。

The Federal Deposit Insurance Corp (FDIC) is dropping its 2022 rule that forced banks to get prior approval before engaging in crypto activities, according to a report by The Block.

根据该街区的一份报告，联邦存款保险公司（FDIC）正在删除其2022年的规则，该规则迫使银行在从事加密活动之前先获得事先批准。

The move will allow financial institutions to explore the digital asset space without waiting for approvals that never arrived.

此举将使金融机构能够探索数字资产空间，而无需等待从未到达的批准。

The FDIC’s new guidance confirms that the “FDIC-supervised institutions may engage in permissible activities, including activities involving new and emerging technologies such as crypto-assets and digital assets, provided that they adequately manage the associated risks.”

FDIC的新指南证实，“ FDIC监督机构可以从事允许的活动，包括涉及新技术和新兴技术的活动，例如加密资产和数字资产，只要它们可以充分管理相关风险。”

Further, as with all other activities, the institutions should consider the associated risks, consumer protection requirements; and anti-money laundering requirements and consult with their supervisors when needed.

此外，与所有其他活动一样，机构应考虑相关风险，消费者保护要求；和反洗钱要求，并在需要时与他们的主管咨询。

FDIC Shifts Stance After Legal Battle with Coinbase

FDIC在与Coinbase法律斗争后转移立场

The FDIC, which oversees many small banks and protects the banking system, played a big role in the crypto debanking issue. A lawsuit with Coinbase showed the FDIC told banks to avoid crypto deals while creating new rules, but never actually set any.

FDIC负责监督许多小型银行并保护银行体系，在加密货币爆炸问题中发挥了重要作用。 Coinbase的诉讼表明，FDIC告诉银行在制定新规则时避免了加密交易，但实际上从未设定任何规则。

This new move comes after President Trump appointed crypto-friendly leaders and urged his administration to support the industry.

在特朗普总统任命对加密货币友好的领导人并敦促他的政府支持该行业的新举动。

According to Acting Chairman Travis Hill, the new guidance marks a shift away from the previous, ‘flawed approach’ which the FDIC had taken over the last three years.

根据代理主席特拉维斯·希尔（Travis Hill）的说法，新的指导标志着FDIC在过去三年中所采取的“有缺陷的方法”的转变。

“I expect this to be one of several steps the FDIC will take to lay out a new approach for how banks can engage in crypto- and blockchain-related activities in accordance with safety and soundness standards,” he noted.

他指出：“我希望这是FDIC将采取的几个步骤之一，以根据安全性和健全标准制定银行如何从事加密和区块链相关的活动。”

Bo Hines, head of the White House’s digital assets advisory council, praised the the move as a “huge step forward” in a social media post.

白宫数字资产咨询委员会负责人Bo Hines称这一举动是社交媒体帖子中“巨大的一步”。

Previously, the FDIC, Federal Reserve, and OCC all required banks to get pre-approval before engaging in crypto activities.

以前，FDIC，美联储和OCC都要求银行在从事加密活动之前先进行预先批准。

The Office of the Comptroller of the Currency (OCC) recently reversed its 2022 guidance, which had been issued during a time when the digital asset industry was facing significant issues like failures of major companies and high-profile fraud cases, including the downfall of the global crypto exchange FTX. This move signals a shift in how regulators view the digital assets sector.

货币审计长办公室（OCC）最近扭转了其2022年的指导，该指南是在数字资产行业面临重大问题之类的时期发布的，例如大公司的失败和备受瞩目的欺诈案件，包括全球加密货币交易所FTX的失败。此举标志着监管机构如何看待数字资产行业的转变。