FDIC更新其准则，允许银行未经批准而参与与加密相关的活动

联邦存款保险公司（FDIC）已更新了其指南，允许银行未经事先批准，从事与加密相关的活动。

The Federal Deposit Insurance Corporation (FDIC) has updated its guidelines, permitting banks to engage in crypto-related activities without prior approval. This shift marks a departure from earlier policies that required banks to notify the FDIC before participating in cryptocurrency and blockchain-related services.

联邦存款保险公司（FDIC）已更新了其指南，允许银行未经事先批准，从事与加密相关的活动。这种转变标志着要求银行在参与加密货币和与区块链相关的服务之前通知FDIC的早期政策。

The move comes as part of the FDIC’s ongoing efforts to establish clearer rules for financial institutions involved in digital assets.

此举是FDIC正在进行的为数字资产中涉及的金融机构制定更清晰规则的努力的一部分。

The new guidance from the FDIC, displayed in the agency’s agenda for the upcoming meeting, cancels a 2022 policy that required FDIC-supervised institutions to notify the agency before engaging in crypto-related activities.

FDIC的新指南在该机构的即将举行的会议议程中显示，取消了一项2022年的政策，要求FDIC监督机构在参与与加密相关的活动之前通知该机构。

The previous requirement was established in the Financial Institution Letter (FIL-16-2022) that made it mandatory for any institution intending to engage in crypto activities to seek approval from the institution.

先前的要求是在金融机构的信中（FIL-16-2022）中建立的，该信件要求任何打算从事加密活动寻求该机构批准的机构。

This new directive also means that banks are allowed to engage in business models that involve cryptocurrencies and other digital assets provided that the risks are managed well.

该新指令还意味着，只要风险得到很好的管理，允许银行参与涉及加密货币和其他数字资产的业务模型。

Announcing the decision, the FDIC’s acting chairman, Travis Hill said, “By today’s decision the agency rejects the erroneous policy of the last three years.”

FDIC的代理主席特拉维斯·希尔（Travis Hill）宣布这一决定：“根据今天的决定，该机构拒绝了过去三年的错误政策。”

However, the FDIC stressed that banks need to continue implementing standard safety measures for handling crypto operations, including operational risk, cybersecurity risk, and market risk.

但是，FDIC强调，银行需要继续实施处理加密操作的标准安全措施，包括运营风险，网络安全风险和市场风险。

The new policy, which is part of broader regulatory changes in the U.S.

新政策是美国更广泛的监管变化的一部分

financial sector to adapt to technological advancements, means that banks supervised by the FDIC may participate in activities in innovations, including blockchain and crypto-assets, without necessarily seeking approval from the FDIC in advance.

金融部门适应技术进步，这意味着，FDIC监督的银行可以参与包括区块链和加密资产在内的创新活动，而无需提前寻求FDIC的批准。

Nevertheless, the agency clarified that risk assessment and management remain obligatory for banks as well as liquidity risks, consumer protection, and measures against money laundering (AML).

尽管如此，该机构澄清说，风险评估和管理仍然对银行以及流动性风险，消费者保护以及针对洗钱的措施（AML）。

The newly proposed approach corresponds with the FDIC’s mission in overseeing the safety and soundness of banks while at the same time permitting corresponding innovation in the banking industry. The agency also stated that it would coordinate with other authorities to level up more directives to be followed for crypto-related operations that are acceptable with the banking system.

新提出的方法与FDIC的任务相对应，以监督银行的安全性和合理性，同时允许银行业的相应创新。该机构还表示，将与其他当局进行协调，以升级更多指令，以遵循与加密相关的运营，这些操作可以接受银行系统。

The change in the FDIC guidelines has been seen as positive by representatives from the industry as it undeniably moves the crypto further in to the banking sphere.

该行业的代表无疑将加密货币进一步推向银行领域，该行业的代表将FDIC指南的变化视为积极的变化。

According to Bo Hines, who serves as the executive director of the President’s Council of Advisers for Digital Assets, the decision is a "big win" for the sector. This means that the entry of the banks to the new digital asset market has experienced less hurdle by eliminating previous approval requirements by the FDIC.

据担任总统数字资产顾问委员会执行董事的博·海因斯（Bo Hines）认为，该决定是该行业的“大胜利”。这意味着，银行进入新的数字资产市场的进入，通过消除了FDIC以前的批准要求，经历了较少的障碍。

The new guidelines are also part of a broader shift in regulatory attitudes toward cryptocurrencies, following similar actions by other U.S. financial regulators. Earlier this month, the Office of the Comptroller of the Currency (OCC) also loosened restrictions on crypto-related activities for federally chartered banks.

在美国其他金融监管机构采取类似行动之后，新的指南也是监管态度的更广泛转变的一部分。本月早些时候，货币审计长办公室（OCC）也放松了对联邦特许银行与加密相关的活动的限制。

While the new guidance provides more freedom for banks to engage in crypto-related activities, the FDIC has emphasized that it will continue to engage with the President’s Working Group on Digital Asset Markets. The FDIC also expects to issue further guidance in the future to provide more clarity on specific crypto-related activities, such as custodial services and lending platforms.

尽管新指南为银行提供了更多与加密相关活动的自由，但FDIC强调，它将继续与总统的数字资产市场工作组互动。 FDIC还希望将来发出进一步的指导，以更加清楚与加密相关的活动，例如托管服务和贷款平台。