FDIC发布了175个有关加密货币的文件

联邦存款保险公司（FDIC）已发布了175个文件，该文件与其参与加密活动的银行的监督有关。

The Federal Deposit Insurance Corporation (FDIC) has released 175 documents related to its supervision of banks involved in crypto activities. The release comes ahead of a court-ordered deadline and coincides with the upcoming congressional hearing on banking practices and financial access.

联邦存款保险公司（FDIC）已发布了175个文件，该文件与其参与加密活动的银行的监督有关。该新闻稿是在法院命令的截止日期之前，与即将举行的有关银行业务和财务访问的国会听证会相吻合。

The documents, released on Friday, detail the FDIC’s supervision of banks that engaged in or sought to engage in crypto-related activities. The documents reveal patterns of resistance from regulators, with banks facing extended delays, repeated requests for additional information, and directives to pause or refrain from expanding blockchain and crypto-related operations.

这些文件于周五发布，详细介绍了FDIC对从事或试图从事加密相关活动的银行的监督。这些文档揭示了监管机构的抵抗模式，银行面临扩展延误，重复请求其他信息，以及暂停或避免扩展区块链和与加密相关的操作的指令。

The release follows a court-ordered deadline set for Friday. Acting FDIC Chairman Travis Hill stated that the decision to disclose these documents will increase transparency. The move is also aimed at exceeding the requirements of the Freedom of Information Act (FOIA).

该新闻稿是在周五定于法院下达的截止日期之后。代理FDIC主席特拉维斯·希尔（Travis Hill）表示，披露这些文件的决定将提高透明度。此举还旨在超越《信息自由法》（FOIA）的要求。

The FDIC had previously disclosed 25 “pause” letters sent to 24 institutions interested in blockchain and crypto-related ventures.

FDIC此前曾披露了25封“暂停”信，发送给对区块链和加密相关企业感兴趣的机构。

However, the newly released documents include additional correspondence with these institutions, along with communications involving other banks not previously identified.

但是，新发布的文件包括与这些机构的其他信件，以及涉及其他未识别的其他银行的通信。

Travis Hill commented,

特拉维斯·希尔评论说，

“The documents that we are releasing today show that requests from these banks were almost universally met with resistance, ranging from repeated requests for further information, to multi-month periods of silence as institutions waited for responses, to directives from supervisors to pause, suspend, or refrain from expanding all crypto- or blockchain-related activity.”

“我们今天发布的文件表明，这些银行的请求几乎普遍遭到抵抗，从重复要求的更多信息请求到机构等待回应的多个月沉默，到主管的指令，暂停，暂停，暂停，暂停，暂停，或避免扩展所有与加密或区块链相关的活动。”

The document release comes just before a scheduled congressional hearing on banking practices and financial access. The hearing is expected to focus on concerns over the FDIC’s previous supervisory approach to crypto-related activities, as well as broader issues surrounding regulatory scrutiny of financial institutions.

文件发布就在预定的有关银行业务和财务访问的国会听证会之前。预计听证会将集中在对FDIC先前与加密相关活动的监督方法的担忧，以及有关金融机构监管审查的更广泛问题。

Acting Chairman Hill noted that the documents demonstrate a regulatory environment that made it increasingly difficult for banks to proceed with digital asset initiatives. The disclosures indicate that the vast majority of institutions ultimately halted their crypto-related activities due to regulatory obstacles.

代理主席希尔（Hill）指出，这些文件证明了一个监管环境，这使得银行很难继续进行数字资产计划。披露表明，由于监管障碍，绝大多数机构最终停止了与加密相关的活动。

Following the release, Senator Cynthia Lummis commended the FDIC’s move, emphasizing the importance of government transparency. In a statement, she expressed appreciation for Acting Chairman Hill and the administration for making the documents available to the public.

发布后，参议员辛西娅·卢米斯（Cynthia Lummis）赞扬了FDIC的举动，强调了政府透明度的重要性。她在一份声明中对代理主席希尔和政府表示感谢将文件提供给公众。

Senator Lummis also declared an end to what she referred to as “Chokepoint 2.0,” efforts to limit banking access for businesses in the crypto sector.

参议员卢米斯（Lummis）还宣布结束了她所谓的“ Cokepoint 2.0”，这是为了限制加密货币领域企业的银行业务访问的努力。

I am thrilled the FDIC acted swiftly & efficiently to release these documents. I want thank Chairman Hill and @POTUS for your commitment to government transparency! We are putting an END to Chokepoint 2.0.

我很高兴FDIC迅速而有效地释放这些文件。我要感谢Hill和@Potus主席对政府透明度的承诺！我们将结束Cokepoint 2.0。

— Senator Cynthia Lummis (@SenLummis) February 5, 2025

- 参议员辛西娅·卢米斯（Cynthia Lummis）（@senlummis）2025年2月5日

Earlier on, pro-crypto Senator Cynthia Lummis warned former Chair Marty Gruenberg against obstructing Senate oversight. She demanded the FDIC preserve all documents tied to OCP 2.0. Lummis also cautioned against retaliation toward whistleblowers, citing potential criminal referrals.

早些时候，亲克里普托参议员辛西娅·卢米斯（Cynthia Lummis）警告前主席马蒂·格鲁恩伯格（Marty Gruenberg）妨碍参议院的监督。她要求FDIC保留与OCP 2.0相关的所有文件。卢米斯（Lummis）也警告说，以潜在的刑事转诊为由对举报人进行报复。

In response to concerns raised by the documents, the FDIC has announced plans to reassess its approach to crypto-related activities. This includes replacing Financial Institution Letter (FIL) 16-2022, a guidance document that is restrictive in engaging with blockchain technology.

为了应对文件提出的担忧，FDIC宣布了重新评估其与加密相关活动的方法的计划。这包括替换金融机构的信（FIL）16-2022，这是一份指导文件，该文件限制了与区块链技术的互动。

The FDIC also intends to collaborate with the President’s Working Group on Digital Asset Markets, established by a recent executive order. The agency will develop a regulatory framework that allows institutions to engage in crypto-related activities while adhering to safety principles.

FDIC还打算与最近的行政命令建立的总统数字资产市场工作组合作。该机构将开发一个监管框架，允许机构在遵守安全原则的同时从事与加密相关的活动。

The Federal Deposit Insurance Corporation, under the previous administration, came under fire for Chokepoint 2.0. Coinbase CLO Paul Grewal accused the agency of trying to “kill BTC transactions” and suppress blockchain technology. He claimed FDIC officials hid key evidence in the FOIA case and misused Exemption 8 to cover their tracks.

联邦存款保险公司在上届政府的领导下因Cokepoint 2.0而受到抨击。 Coinbase Clo Paul Grewal指责该机构试图“杀死BTC交易”并抑制区块链技术。他声称FDIC官员在FOIA案中隐藏了主要证据，并滥用豁免8来掩盖他们的轨道。