具有里程碑意义的 Custodia 诉美联储裁决引发愤怒：参议员 Lummis 要求监管机构遵守

美国参议员辛西娅·鲁米斯 (Cynthia Lummis) 对美联储 (Fed) 对 Custodia Bank 的裁决表示不同意见。她认为，美联储在向怀俄明州特殊目的存款机构（SPDI）发行主账户方面的不作为违反了国会通过的法律。这一判决引发了人们对美国金融自由和创新的担忧，因为许多与加密货币相关的企业也面临着类似的监管挑战。

Landmark Custodia vs Fed Ruling Sparks Discord: Senator Lummis Calls for Legislative Compliance

具有里程碑意义的托管与美联储裁决引发分歧：参议员鲁米斯呼吁遵守立法

In the wake of a pivotal court judgment favoring the Federal Reserve (Fed) over Custodia Bank's lawsuit, United States Senator Cynthia Lummis has vehemently expressed her disagreement. The ruling, which has sent ripples through the financial and cryptocurrency sectors, has raised concerns about the implications for financial freedom and innovation within the United States.

在法院就托管银行的诉讼做出有利于美联储的关键判决后，美国参议员辛西娅·鲁米斯强烈表达了她的不同意见。该裁决在金融和加密货币领域引起了连锁反应，引发了人们对美国金融自由和创新影响的担忧。

"The Fed's inaction in issuing master accounts is unacceptable, and I am disappointed in today's court ruling that goes against clear laws enacted by Congress," Senator Lummis asserted in a statement. "Wyoming SPDIs have the right to access master accounts. It is past time the Fed follows the laws passed by Congress."

参议员鲁米斯在一份声明中表示：“美联储在发行主账户方面的不作为是不可接受的，我对今天的法院裁决感到失望，该裁决违反了国会制定的明确法律。” “怀俄明州的 SPDI 有权访问主账户。美联储现在应该遵守国会通过的法律。”

Custodia vs Fed: A Tale of Regulatory Challenges

Custodia 与 Fed：监管挑战的故事

Custodia Bank, a Wyoming-chartered depository institution, initiated legal action against the Federal Reserve after an extended delay in the review of its application for a master account. Such accounts are essential for banks, as they grant direct access to the Fed's services, including check clearing, wire transfers, and automated clearinghouse (ACH) payments.

怀俄明州特许存款机构托管银行在对其主账户申请的审查长期拖延后，对美联储发起了法律诉讼。此类账户对于银行至关重要，因为它们允许直接访问美联储的服务，包括支票清算、电汇和自动清算所（ACH）支付。

Custodia's lawsuit challenged the Fed's classification of the bank as a "member bank," arguing that it did not meet the necessary criteria according to federal regulations. Despite these arguments, the court ruled in favor of the Fed, upholding its authority to regulate Custodia as a member bank.

Custodia 的诉讼质疑美联储将该银行归类为“成员银行”，认为该银行不符合联邦法规的必要标准。尽管有这些论点，法院还是做出了有利于美联储的裁决，维护了美联储作为成员银行对 Custodia 进行监管的权力。

The lawsuit highlighted the regulatory challenges faced by many crypto-related businesses. Custodia's application had been pending for over 20 months before the Fed's eventual rejection, a delay well beyond the customary processing time for master account approvals.

该诉讼凸显了许多加密相关企业面临的监管挑战。在美联储最终拒绝之前，Custodia 的申请已经等待了 20 多个月，这一延迟远远超出了主账户批准的常规处理时间。

Scrutiny of Fed's Evaluation Process

对美联储评估流程的审查

During the court proceedings, discrepancies were discovered in the assessment reports prepared by the Kansas City Fed and subsequently modified by the main Fed headquarters in Washington, D.C. Preliminary findings indicated that Custodia had met regulatory criteria for capital adequacy, risk management, and liquidity. However, these assessments were later altered to emphasize perceived deficiencies, casting doubt on the objectivity and fairness of the evaluation process.

在法庭诉讼过程中，堪萨斯城联储准备的评估报告被发现存在差异，随后华盛顿特区的联储总部对其进行了修改。初步调查结果表明，Custodia 符合资本充足率、风险管理和流动性的监管标准。然而，这些评估后来被改变，以强调明显的缺陷，使人们对评估过程的客观性和公平性产生怀疑。

Critics have suggested that the alterations reflect a broader distrust and regulatory conservatism towards digital asset service providers, potentially hindering the growth and innovation of the industry.

批评者认为，这些变化反映了对数字资产服务提供商更广泛的不信任和监管保守主义，可能会阻碍该行业的增长和创新。

Support for Custodia and the Broader Implications

对托管的支持和更广泛的影响

The Custodia vs Fed lawsuit has garnered significant attention and support from various entities, including the Blockchain Association and the Wyoming Attorney General. Their backing underscores the perceived wider consequences of the case, which extend beyond the specific interests of Custodia to fundamental issues of regulatory clarity, financial innovation, and the integration of digital assets into the mainstream financial system.

Custodia 与美联储的诉讼得到了包括区块链协会和怀俄明州总检察长在内的各个实体的高度关注和支持。他们的支持凸显了该案所带来的更广泛的后果，这些后果超出了 Custodia 的具体利益，扩展到监管清晰度、金融创新以及数字资产融入主流金融体系等基本问题。

Senator Lummis's vocal opposition to the court ruling aligns with concerns raised by some policymakers regarding an overly cautious or obstructive regulatory approach towards the crypto industry, often referred to as "Operation Chokepoint 2.0." This term alludes to allegations of a systematic effort to restrict the activities of cryptocurrency businesses through stringent regulatory measures.

Lummis 参议员对法院裁决的强烈反对，与一些政策制定者对加密行业过于谨慎或具有阻碍性的监管方式（通常被称为“Operation Chokepoint 2.0”）的担忧不谋而合。该术语暗示了通过严格的监管措施系统性地限制加密货币业务活动的指控。

A Crossroads for Digital Asset Regulation

数字资产监管的十字路口

The Custodia vs Fed case has brought into sharp focus the ongoing debate surrounding the regulation of cryptocurrencies and digital assets. Supporters of the industry argue that excessive regulation stifles innovation and limits the potential of this transformative technology. Opponents, on the other hand, emphasize the need for robust oversight to protect consumers and ensure financial stability.

Custodia 与美联储的案件使围绕加密货币和数字资产监管正在进行的争论成为焦点。该行业的支持者认为，过度监管会扼杀创新并限制这种变革性技术的潜力。另一方面，反对者强调需要强有力的监管来保护消费者并确保金融稳定。

As the legal and regulatory landscape continues to evolve, the full implications of the Custodia vs Fed ruling remain to be seen. However, the case has undoubtedly ignited a critical dialogue about the role of government in fostering innovation while safeguarding the integrity of the financial system.

随着法律和监管环境的不断发展，托管与美联储裁决的全面影响仍有待观察。然而，该案无疑引发了一场关于政府在促进创新、同时维护金融体系完整性方面的作用的批判性对话。