为了回应每年消费者超过1亿美元的比特币ATM骗局，四名民主党参议员引入

由参议员迪克·杜宾（D-ill。

The incidence of bitcoin ATM scams is a pressing issue, with new data from the U.S. Federal Trade Commission revealing that consumers fell victim to these scams to the tune of $65 million in the first half of 2024.

比特币ATM骗局的发病率是一个紧迫的问题，美国联邦贸易委员会的新数据显示，消费者在2024年上半年造成了6500万美元的受害者。

The scams, which typically target older adults, involve criminals impersonating bank or law enforcement officials to deceive victims into making large cryptocurrency purchases at bitcoin ATMs. These scams have resulted in a median reported loss of $10,000 among all age groups, with some individuals, like a retired couple in South Carolina, suffering even greater losses—in this case, almost $390,000 over several months of deposits.

这些通常针对老年人的骗局涉及犯罪分子假冒银行或执法人员，以欺骗受害者在比特币ATMS上购买大量加密货币。这些骗局导致所有年龄段的中位数损失了10,000美元，其中一些人（例如南卡罗来纳州的一对退休夫妇）遭受了更大的损失 - 在这种情况下，几个月的存款中近390,000美元。

In response to these scams, which are estimated to cost consumers more than $100 million annually, four Democratic senators have introduced the Crypto ATM Fraud Prevention Act. The proposed legislation, spearheaded by Sen. Dick Durbin (D-Ill.), aims to introduce new measures to mitigate these fraudulent activities.

为了应对这些骗局，估计每年使消费者损失超过1亿美元的损失，四名民主党参议员提出了《加密ATM ATM欺诈法》。由参议员迪克·杜宾（Dick Durbin）牵头的拟议立法旨在提出新的措施来减轻这些欺诈性活动。

The bill proposes that new users be limited to spending no more than $2,000 per day or $10,000 over a 14-day period to buy cryptocurrency from a bitcoin ATM. It also mandates that companies personally contact new customers attempting transactions exceeding $500 and offer full refunds to those who report the fraudulent activity to the police within 30 days.

该法案建议，新用户仅限于每天花费不超过2,000美元，或者在14天的时间内从比特币ATM购买加密货币。它还要求公司亲自与新客户联系，这些新客户企图交易超过500美元，并向那些在30天内向警方报告欺诈活动的人全额退款。

The senators' initiative comes as at least 15 states are considering bills to curb bitcoin ATM scams, according to a report by Governing magazine. The majority of these proposals aim to restrict crypto ATM transactions to $1,000 per customer daily and cap fees at $5 or between 3% and 15% of a transaction’s value.

根据《统治杂志》的一份报告，参议员的倡议至少有15个州正在考虑遏制比特币ATM骗局的账单。这些建议中的大多数旨在将加密atm atm交易限制在每日客户每日1,000美元，而上限费为5美元或交易价值的3％至15％之间。

Moreover, at least three states—Minnesota, California and Vermont—already enforce daily transaction limits for bitcoin ATMs.

此外，至少有三个州 - 明尼苏达州，加利福尼亚州和佛蒙特州 - 已经准备好对比特币ATM的每日交易限制。

The rapid growth of bitcoin ATMs in recent years has created new opportunities for fraudsters. According to Coin ATM Radar, there are nearly 40,000 bitcoin ATMs in the U.S., a stark increase from just 10 years ago, when there were none. These ATMs are often placed at gas stations and retail stores, such as the Midwest convenience store chain Kwik Trip, which offers customers the chance to buy bitcoin at more than 800 locations.

近年来，比特币ATM的快速增长为欺诈者创造了新的机会。根据Coin ATM雷达的数据，美国有将近40,000个比特币ATM，与仅10年前没有的情况相比，没有。这些自动取款机通常放置在加油站和零售店，例如中西部便利店连锁店Kwik Trip，该旅行为客户提供了在800多个地点购买比特币的机会。

The criminals, frequently impersonating bank or law enforcement officials, target victims—typically older individuals—with stories requiring them to withdraw a large sum of cash from their bank to pay for something like missing jury duty and deposit it into a bitcoin ATM.

经常冒充银行或执法人员的罪犯，针对年龄较大的受害者的目标，他们要求他们从银行撤回一笔大笔现金，以支付诸如缺少陪审团的责任并将其存入比特币ATM之类的费用。

The victims are then instructed to scan a QR code or enter a warrant number associated with their case. However, these numbers are linked to the criminal’s virtual wallets, granting them access to the funds and making recovery nearly impossible.

然后，指示受害者扫描QR码或输入与其案件相关的认股权证号码。但是，这些数字与罪犯的虚拟钱包有关，允许他们进入资金并使恢复几乎不可能。