美联储已经关闭了德克萨斯州一家加密友好型银行，而其他银行则敦促美联储不要授予怀俄明州加密友好型托管银行访问美联储主账户的权限

美联储 2023 年 1 月拒绝 Custodia 的申请，突显了该银行希望“从事新颖且未经测试的加密货币活动”，美联储认为这些活动存在“重大安全和稳健风险”，“极有可能与安全稳健的银行业务实践不一致” ”。

The U.S. Federal Reserve has slapped down a crypto-friendly bank in Texas, while other banks urged the Fed not to grant Wyoming’s crypto-friendly Custodia Bank access to the Fed’s master accounts.

美联储已经关闭了德克萨斯州一家对加密货币友好的银行，而其他银行则敦促美联储不要授予怀俄明州对加密货币友好的托管银行访问美联储主账户的权限。

On Monday, the Board of Governors of the Federal Reserve System issued a cease & desist order against the United Texas Bank (UTB) in Dallas. The order followed an investigation by the Texas Department of Banking that began in May 2023 and “identified significant deficiencies in the Bank’s corporate governance and oversight by the Bank’s board of directors and senior management.”

周一，美国联邦储备委员会向达拉斯联合德克萨斯银行（UTB）发出停止令。该命令是在德克萨斯州银行部于 2023 年 5 月开始进行调查后发布的，调查“发现了银行的公司治理以及银行董事会和高级管理层的监督方面存在重大缺陷”。

Said deficiencies were “related to foreign correspondent banking and virtual currency customers, specifically risk management and compliance with applicable laws, rules, and regulations relating to anti-money laundering, including the Bank Secrecy Act.”

上述缺陷“与外国代理银行和虚拟货币客户有关，特别是风险管理以及遵守与反洗钱有关的适用法律、规则和法规，包括《银行保密法》”。

UTB has been given 90 days to submit a plan for how it will improve its compliance game. The bank has also been given 60 days to show that it will comply with regulations issued by the Treasury Department’s Office of Foreign Assets Control (OFAC), which monitors compliance with U.S. economic sanctions against foreign individuals/entities.

UTB 有 90 天的时间提交一份如何改进合规游戏的计划。该银行还被给予 60 天的时间来表明它将遵守财政部外国资产控制办公室 (OFAC) 发布的规定，该办公室负责监督美国对外国个人/实体的经济制裁的遵守情况。

UTB’s past ‘crypto’ clients include Circle, the Boston-based issuer of the USDC stablecoin, and the Stellar Development Foundation, which operates an open-source blockchain focused on cross-border remittances. In 2021, Stellar Development was rumored to be teaming up with a private equity firm to acquire Moneygram International, one of America’s largest money transfer businesses. UTB was the settlement bank for Circle and MoneyGram.

UTB 过去的“加密”客户包括位于波士顿的 USDC 稳定币发行人 Circle，以及运营专注于跨境汇款的开源区块链的 Stellar Development Foundation。据传，2021 年，Stellar Development 将与一家私募股权公司联手收购美国最大的汇款公司之一 Moneygram International。 UTB 是 Circle 和 MoneyGram 的结算银行。

This is the second action the Fed has taken against a crypto-friendly bank in less than a month, following the enforcement action against Customers Bank and its “blockchain-based 24/7/365 digital payment solution” known as CBIT (Customers Bank Instant Token). Circle was also a Customers customer, along with exchanges such as Coinbase (NASDAQ: COIN), Gemini, and Kraken, as well as numerous other digital asset firms.

这是美联储在不到一个月的时间内对加密货币友好型银行采取的第二项行动，此前对 Customers Bank 及其名为 CBIT（Customers Bank Instant）的“基于区块链的 24/7/365 数字支付解决方案”采取了执法行动。令牌）。 Circle 也是 Customers 的客户，此外还有 Coinbase（纳斯达克股票代码：COIN）、Gemini 和 Kraken 等交易所以及许多其他数字资产公司。

Long odds for Caitlin

凯特琳的胜算不大

Custodia Bank CEO Caitlin Long tweeted her reaction to the UTB order, saying, “ANOTHER CRYPTO BANK, ANOTHER ENFORCEMENT ACTION…”

Custodia 银行首席执行官凯特琳·朗 (Caitlin Long) 在推特上发布了她对 UTB 命令的反应，她说：“另一家加密货币银行，另一家执法行动……”

Custodia is one of several crypto-focused entities that have been granted special-purpose depository institution (SPDI) status in Wyoming, but no SPDI has yet been granted membership in the Federal Reserve System. Access to the Fed’s master accounts would ensure that Custodia customers’ deposits are protected by the Federal Deposit Insurance Corporation (FDIC).

Custodia 是怀俄明州已获得特殊目的存款机构 (SPDI) 地位的几个专注于加密货币的实体之一，但尚未有 SPDI 获得美联储系统成员资格。访问美联储的主账户将确保 Custodia 客户的存款受到联邦存款保险公司 (FDIC) 的保护。

The Fed’s January 2023 rejection of Custodia’s application singled out the bank’s desire to “engage in novel and untested crypto activities,” which the Fed believes present “significant safety and soundness risks” that “are highly likely to be inconsistent with safe and sound banking practices.”

美联储 2023 年 1 月拒绝 Custodia 的申请，突显了该银行希望“从事新颖且未经测试的加密货币活动”，美联储认为这些活动存在“重大安全和稳健风险”，“极有可能与安全稳健的银行业务实践不一致” ”。

Custodia sued the Fed over delays in the Fed processing the bank’s application, but Judge Scott Skavdahl of the U.S. District Court for the District of Wyoming upheld the Fed’s rejection this spring. Skavdahl rejected Custodia’s assertion that the rejection was arbitrary and capricious and ruled that Custodia was not automatically entitled to a master account based on its SPDI status.

Custodia 因美联储延迟处理该银行的申请而起诉美联储，但美国怀俄明州地方法院法官斯科特·斯卡夫达尔 (Scott Skavdahl) 今年春天维持了美联储的驳回决定。 Skavdahl 驳回了 Custodia 的主张，即该拒绝是任意且反复无常的，并裁定 Custodia 不会根据其 SPDI 状态自动有权获得主账户。

Custodia appealed the ruling to the Tenth Circuit Court of Appeals and last week saw a flurry of amici curiae filings, including one by 11 Federal Reserve Banks that says Custodia’s argument “would strip Federal Reserve Banks of a critical authority necessary to both manage their own risks and to carry out the central bank’s statutory mandate to promote the safety and stability of the U.S. financial system.”

Custodia 向第十巡回上诉法院提出上诉，上周收到了一系列法庭之友文件，其中包括 11 家联邦储备银行提交的一份文件，称 Custodia 的论点“将剥夺联邦储备银行管理自身风险所必需的关键权力”并履行央行的法定职责，促进美国金融体系的安全与稳定。”

The 11 banks call attention to Fed guidelines that require approved banks to ensure they’re not providing accounts and services to institutions that might “create undue risk to the overall economy by facilitating activities such as money laundering, terrorism financing, fraud, cybercrimes, or other illicit activity.” Oh, hello, crypto… were your ears burning?

这 11 家银行提请注意美联储的指导方针，该指导方针要求获得批准的银行确保它们不会向可能“通过促进洗钱、恐怖主义融资、欺诈、网络犯罪或其他活动对整体经济造成不当风险的机构”提供账户和服务。其他非法活动。”哦，你好，加密……你的耳朵在燃烧吗？

The 11 banks also note Treasury’s warning that “novel business models can be especially susceptible to fraud, terrorist financing, or other criminal transactions.” The banks allow these risks to be “not specific to the crypto industry,” but the banks “have already seen how providing certain financial institutions with master accounts could facilitate money laundering and other illicit activities.”

这 11 家银行还注意到财政部的警告，即“新颖的商业模式特别容易受到欺诈、恐怖主义融资或其他犯罪交易的影响。”银行允许这些风险“并非加密货币行业特有的”，但银行“已经看到向某些金融机构提供主账户可能会促进洗钱和其他非法活动。”

Similarly, opposing briefs were filed by the American Bankers Association, the Consumer Bankers Association, the Independent Community Bankers of America, the Bank Policy Institute, and The Clearing House Association. The Wyoming Bankers Association has indicated its intention to file a brief supporting Custodia but apparently hasn’t gotten Custodia’s permission yet.

同样，美国银行家协会、消费者银行家协会、美国独立社区银行家、银行政策研究所和清算所协会也提交了反对意见。怀俄明州银行家协会已表示打算提交一份支持 Custodia 的简报，但显然尚未获得 Custodia 的许可。

No surprises, please

请不要有任何惊喜

Custodia’s Long told DL News that the opposition briefs came as “no surprise” and confirmed Custodia’s belief that “both protectionist practices and regulatory capture exist in the banking industry.”

Custodia 的 Long 告诉 DL News，反对派的简报“并不令人意外”，并证实了 Custodia 的信念，即“银行业中存在保护主义做法和监管捕获”。

Last month, Custodia laid off nine of its 36 employees in a bid to

上个月，Custodia 解雇了 36 名员工中的 9 名，以期