美国众议院金融服务委员会促进“稳定法案”，旨在为Stablecoin法规创建专门的框架

据报道，旨在为Stablecoin法规创建专门的联邦框架的稳定法案，据报道获得了两党的大量支持。

The U.S. House Financial Services Committee took a major step forward Wednesday in advancing the “STABLE Act,” designed to create a dedicated federal framework specifically for stablecoin regulation.

美国众议院金融服务委员会周三迈出了一步，旨在推进“稳定法案”，旨在创建专门针对Stablecoin法规的专门联邦框架。

The bill, which has reportedly garnered significant bipartisan support, would provide essential regulatory clarity for the stablecoin sector, a market that has faced considerable uncertainty due to the rapid growth and evolution of digital assets generally in recent years.

据报道，该法案获得了两党的大量支持，该法案将为Stablecoin行业提供基本的监管清晰度，该市场由于近年来数字资产的快速增长和发展，该市场面临着相当大的不确定性。

Prominent members of the committee, including French Hill (R-AR), Ritchie Torres (D-NY), Tom Emmer (R-MN), and Bill Huizenga (R-MI), are among the key sponsors of the STABLE Act. The legislation is expected to pass out of the committee in the coming weeks.

委员会的杰出成员，包括法国山（R-AR），Ritchie Torres（D-NY），Tom Emmer（R-MN）和Bill Huizenga（R-MI），是该稳定法案的主要赞助商之一。预计该立法将在未来几周内退出委员会。

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What Is the STABLE Act?

什么是稳定行为？

The STABLE Act, an acronym for Stablecoin Transparency and Accountability for a Better Ledger Economy, aims to establish a clear and practical regime for stablecoins used in or affecting U.S. commerce.

稳定的法案是稳定的透明度和对更好的分类帐经济的责任的首字母缩写，旨在为用于或影响美国商业的稳定机构建立清晰而实用的制度。

The bill would create a licensing regime for stablecoin issuers, setting forth capital and liquidity requirements, and consumer protection and anti-money laundering standards that must be met.

该法案将为Stablecoin发行人创建许可制度，制定资本和流动性要求，以及必须满足的消费者保护和反洗钱标准。

The legislation would also require stablecoin issuers to maintain adequate reserves in a highly liquid, low-risk asset, such as Treasury securities, to ensure the stability of the pegged value of the stablecoin.

该立法还将要求Stablecoin发行人在高度流动的低风险资产（例如国库券）中维持足够的储备，以确保Stablecoin固定价值的稳定性。

Why Is There a Need for STABLE Act?

为什么需要稳定的行为？

The committee chairman, French Hill, highlighted the urgency of having clear federal regulations to ensure the safe and effective use of stablecoins within the U.S. financial system.

委员会主席法国山（French Hill）强调了制定明确的联邦法规的紧迫性，以确保在美国金融体系内安全有效地利用Stablecoins。

“We need to set up the framework, the regimes, the rules of the road, and provide the certainty that is required for the U.S. to be the leader in this emerging technology,” Chairman Hill said.

主席希尔说：“我们需要建立框架，政权，道路规则，并提供美国成为这项新兴技术领导者所需的确定性。”

He added that the bill aims to create practical “guardrails, not roadblocks” for ongoing financial innovation in this space.

他补充说，该法案旨在创建实用的“护栏，而不是障碍”，以在此领域进行持续的金融创新。

This perspective reportedly reflects the apparent bipartisan consensus reached within the committee: while stablecoin innovation is viewed as vital, it requires careful management to mitigate potential consumer protection and financial stability risks.

据报道，这种观点反映了委员会中明显的两党共识：虽然Stablecoin创新被认为是至关重要的，但它需要仔细的管理来减轻潜在的消费者保护和财务稳定风险。

What Are Stablecoins and Their Potential Benefits?

什么是Stablecoins及其潜在的好处？

Stablecoins are a type of digital asset typically pegged to the value of a reserve asset, in this case, fiat currency as the U.S. dollar.

Stablecoins是一种数字资产，通常将其固定在储备资产的价值上，在这种情况下，菲亚特货币为美元。

They offer a faster, more efficient alternative to traditional payment systems, making them appealing for facilitating low-cost global payments.

他们为传统支付系统提供了更快，更有效的替代方案，使它们有吸引力促进低成本的全球付款。

Supporters of the STABLE Act argue that with a robust U.S. regulatory framework, dollar-pegged stablecoins could even help strengthen the U.S. dollar’s international position as the world’s primary reserve currency.

《稳定法案》的支持者认为，借助美国强大的监管框架，Dollar-Pegggggging Stablecoins甚至可以帮助加强美元作为全球主要储备货币的国际地位。

Several other related digital asset bills were also discussed during Wednesday’s committee hearing.

在周三的委员会听证会上还讨论了其他几项相关的数字资产法案。

These included H.R. 2392, titled the “Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025,” and H.R. 2384, the “Financial Technology Protection Act of 2025.”

其中包括HR 2392，标题为“ 2025年更好的分类帐（稳定）法案（稳定）法案的“ Stablecoin透明度和问责制”和HR 2384，“ 2025年的《金融技术保护法》。

These related bills, along with various proposed amendments discussed, broadly aim to address wider regulatory concerns surrounding new digital financial technologies and help ensure the safety of consumers and businesses interacting with them.

这些相关的法案以及讨论的各种提议的修正案，旨在解决有关新的数字金融技术的更广泛的监管问题，并有助于确保消费者和企业与他们互动的安全。

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