特朗普政权的不良信仰命令永远不会停止

这次，Maga Grifter和他的亲戚将您的银行帐户处于危险之中。到完成后，FDIC将能够覆盖我们储蓄的1％。

The Federal Deposit Insurance Corporation (FDIC) has quietly withdrawn its requirement for banks to get prior FDIC approval before investing in cryptocurrencies.

联邦存款保险公司（FDIC）已悄悄地撤回了对银行在投资加密货币之前先获得FDIC批准的要求。

The move, which was announced in a brief press release on Tuesday, could open the door for a wider adoption of digital assets by FDIC-supervised institutions.

此举是在周二简短的新闻稿中宣布的，可以为FDIC提供的机构更广泛地采用数字资产打开大门。

The FDIC’s action comes amid increasing interest in cryptocurrencies from lawmakers and regulators. Earlier this year, the President’s Working Group on Financial Markets (PWG) issued a report on stablecoins, a type of cryptocurrency that is pegged to a stable value, such as the U.S. dollar.

FDIC的行动是由于对立法者和监管机构的加密货币的兴趣越来越多。今年早些时候，总统金融市场工作组（PWG）发布了有关Stablecoins的报告，Stablecoins是一种加密货币，将其固定在稳定的价值上，例如美元。

The PWG report recommended that Congress pass legislation to regulate stablecoins at the federal level.

PWG报告建议国会通过立法来规范联邦一级的稳定币。

The FDIC is expected to issue further guidance in the future to provide additional clarity regarding banks’ engagement in particular crypto-related activities.

预计FDIC将来将在未来发出进一步的指导，以提供有关银行在与加密相关的活动中的参与度的额外明确性。

The FDIC insures deposits in U.S. banks and savings associations. Deposits are guaranteed up to $250,000 per depositor, per insured bank, for the types of deposits that are covered by FDIC insurance.

FDIC确保了美国银行和储蓄协会的存款。对于由FDIC保险覆盖的存款类型，每个存款人的存款最多可保证每位存款人250,000美元。

As of December 2022, the FDIC had about $103.8 billion in assets and $9.9 billion in liabilities, according to the agency’s latest financial statements.

根据该机构的最新财务报表，截至2022年12月，FDIC的资产约为1038亿美元，负债为99亿美元。

The value of U.S. bank savings accounts totals $10.7 trillion.output: As of December 2022, the Federal Deposit Insurance Corporation (FDIC) had about $103.8 billion in assets and $9.9 billion in liabilities, according to the agency’s latest financial statements.

美国银行储蓄帐户的价值总计107万亿美元。输出：截至2022年12月，根据该机构的最新财务报表，联邦存款保险公司（FDIC）的资产约为10038亿美元，负债为99亿美元。

The FDIC insures deposits in U.S. banks and savings associations. Deposits are guaranteed up to $250,000 per depositor, per insured bank, for the types of deposits that are covered by FDIC insurance.

FDIC确保了美国银行和储蓄协会的存款。对于由FDIC保险覆盖的存款类型，每个存款人的存款最多可保证每位存款人250,000美元。

The FDIC’s action comes amid increasing interest in cryptocurrencies from lawmakers and regulators. Earlier this year, the President’s Working Group on Financial Markets (PWG) issued a report on stablecoins, a type of cryptocurrency that is pegged to a stable value, such as the U.S. dollar.

FDIC的行动是由于对立法者和监管机构的加密货币的兴趣越来越多。今年早些时候，总统金融市场工作组（PWG）发布了有关Stablecoins的报告，Stablecoins是一种加密货币，将其固定在稳定的价值上，例如美元。

The PWG report recommended that Congress pass legislation to regulate stablecoins at the federal level.

PWG报告建议国会通过立法来规范联邦一级的稳定币。

The FDIC will continue to engage with the President’s Working Group on Digital Asset Markets and expects to issue further guidance in the future to provide additional clarity regarding banks’ engagement in particular crypto-related activities.

FDIC将继续与总统的数字资产市场工作组互动，并希望将来发出进一步的指导，以提供有关银行在与加密货币相关的活动中的参与度的额外清晰度。

The new guidance, which rescinds FIL-16-2022, clarifies that FDIC-supervised institutions may engage in permissible crypto-related activities without receiving prior FDIC approval.

撤销FIL-16-2022的新指南澄清说，FDIC监管机构可以在未经事先获得FDIC批准的情况下从事允许的加密货币相关活动。

The FDIC provides deposit insurance and supervises banks to maintain stability in the U.S. banking system and to protect the credit unions and institutions that serve the nation’s communities.

FDIC提供存款保险，并监督银行以维持美国银行系统的稳定性，并保护为国家社区服务的信用合作社和机构。

The agency is also a member of the Financial Stability Board, which monitors and heads off threats to the stability of the global financial system.

该机构还是金融稳定委员会的成员，该委员会监视并承担对全球金融体系稳定的威胁。

The FDIC was created in 1933 by President Franklin D. Roosevelt in response to the bank failures of the Great Depression. The agency began operations in 1934.

FDIC由富兰克林·罗斯福总统于1933年成立，以回应大萧条的银行失败。该机构于1934年开始运营。

The FDIC’s actions are likely to be welcomed by the crypto industry, which has been lobbying for greater clarity from regulators on the rules governing digital assets.

FDIC的行动很可能受到加密货币行业的欢迎，加密货币行业一直在游说，以更加清楚地监管机构的数字资产规则。

The move could also pave the way for a wider adoption of crypto by banks and other financial institutions.

此举还可以为银行和其他金融机构更广泛地采用加密货币铺平道路。

However, some consumer groups have expressed concern that the FDIC’s actions could put the personal bank accounts of everyday Americans at risk.

但是，一些消费者团体表示担心外国直接投资的行动可能会使日常美国人的个人银行帐户处于危险之中。

The consumer groups argue that the FDIC’s resources are limited and that it would not be able to cover all losses if there is a major failure in the crypto market.

消费者群体认为，FDIC的资源是有限的，如果加密货币市场发生重大失败，它将无法承受所有损失。

They also note that many Americans are already struggling to make ends meet and that any losses on their savings could have a devastating impact on their lives.

他们还指出，许多美国人已经在努力维持生计，而储蓄的任何损失都可能对他们的生活产生毁灭性的影响。

The FDIC said in its press release that it will continue to monitor the safety and soundness of the institutions it supervises, and that it will take appropriate action to protect the personal bank accounts of consumers.

FDIC在新闻稿中说，它将继续监控其监督机构的安全性和健全性，并将采取适当的行动来保护消费者的个人银行帐户。

It remains to be seen how the FDIC’s actions will affect the adoption of crypto by banks and other financial institutions.

FDIC的行动将如何影响银行和其他金融机构对加密货币的采用还有待观察。

The agency’s actions could also have implications for the broader economy, as consumer spending is a major driver of economic growth.

该机构的行动也可能对更广泛的经济产生影响，因为消费者支出是经济增长的主要驱动力。

The consumer groups have urged the FDIC to reconsider its decision and to focus on its primary mission of protecting the personal bank accounts of everyday Americans.

消费者团体已敦促FDIC重新考虑其决定，并专注于保护日常美国人的个人银行帐户的主要任务。