纽约总检察长莱蒂蒂亚·詹姆斯警告美国国会领导人有关加密货币法规

纽约总检察长莱蒂蒂亚·詹姆斯（Letitia James）向美国国会领导人发出警告有关加密货币的监管

New York Attorney General Letitia James penned a message to US congressional leaders, articulating her worries about the potential consequences of insufficient regulation of cryptocurrency.

纽约总检察长莱蒂蒂亚·詹姆斯（Letitia James）向美国国会领导人发了一条信息，表达了她对加密货币不足的潜在后果的担忧。

As the use of Bitcoin and other virtual currencies rises, James highlighted the threat this poses to eroding the US dollar’s position around the world.

随着比特币和其他虚拟货币的使用升高，詹姆斯强调了这构成的威胁，旨在侵蚀美元在全球范围内的地位。

The attorney general's statements come amid a broader conversation among policymakers about how to best integrate cryptocurrencies into the financial system.

总检察长的陈述是在政策制定者之间关于如何最好地将加密货币整合到金融体系中的更广泛的对话。

Her emphasis fell on the urgency of stronger federal regulations to protect investors from fraud and safeguard national security interests.

她的重点放在更强大的联邦法规的紧迫性，以保护投资者免受欺诈和保护国家安全利益。

"Despite the promise of new technologies, the cryptocurrency market is riddled with fraud, scams, and deception, and investors are paying the price," James stated in a press release issued on Monday.

詹姆斯在周一发布的新闻稿中说：“尽管有新技术的承诺，但加密货币市场充满了欺诈，骗局和欺骗，投资者正在付出代价。”

The importance of a federal regulatory system for digital currencies was highlighted in James's Congressional letter to Senate Majority Leader Chuck Schumer, Senate Minority Leader Mitch McConnell, House Speaker Kevin McCarthy, and House Minority Leader Hakeem Jeffries.

詹姆斯国会给参议院多数党领袖查克·舒默（Chuck Schumer），参议院少数党领袖米奇·麦康奈尔（Mitch McConnell），众议院议长凯文·麦卡锡（Kevin McCarthy）和众议院少数民族领导人哈基姆·杰弗里斯（Hakeem Jeffries）的信中强调了联邦监管制度对数字货币的重要性。

Without regulation, these types of currencies leave users exposed to fraud and monetary volatility, she identified.

她确定，这些类型的货币在没有法规的情况下使用户接触欺诈和货币波动。

Bitcoin in particular now poses a real threat to the dollar's dominance, especially as more businesses and individuals opt for digital currencies when sending money overseas, James indicated.

詹姆斯说，现在特别是比特币对美元的统治地位构成了真正的威胁，尤其是在越来越多的企业和个人在海外汇款时选择数字货币。

Her concerns mirror those of BlackRock CEO Larry Fink, who suggested that Bitcoin could serve as a hedge against the dollar amid US fiscal challenges and rising inflation.

她的担忧反映了贝莱德首席执行官拉里·芬克（Larry Fink）的担忧，后者建议比特币在美国的财政挑战和通货膨胀率上升的情况下作为对冲。

"Millions of New Yorkers actively buy, sell or hold cryptocurrency and other digital assets, and they deserve further protection," James wrote in her message.

詹姆斯在她的信息中写道：“数以百万计的纽约人积极购买，出售或持有加密货币和其他数字资产，他们应该得到进一步的保护。”

Stablecoin Safeguards And Investor Protection Measures

Stablecoin保障措施和投资者保护措施

The Attorney General placed particular emphasis on stablecoins, which are cryptocurrencies pegged to stable assets such as the US dollar. She called on lawmakers to establish regulations mandating that stablecoin issuers have a US presence and support their tokens with US dollars or treasuries.

总检察长特别强调了稳定的稳定货币，这些加密货币固定在稳定的资产（例如美元）上。她呼吁立法者制定法规，要求稳定发行人在美国拥有美国的存在，并以美元或国债的支持。

James described how stablecoins facilitate the exchange of value among various cryptocurrencies but, in the absence of regulation, can be manipulated and create fraud.

詹姆斯（James）描述了稳定币如何促进各种加密货币之间的价值交换，但是在没有监管的情况下，可以被操纵并造成欺诈。

"For instance, a recent report by the Federal Trade Commission found that cryptocurrency scams defrauded over 560,000 people in 2022 alone, with reported losses exceeding $1 billion," James said.

詹姆斯说：“例如，联邦贸易委员会最近的一份报告发现，仅2022年，加密货币骗局就会欺骗56万人，据报道损失超过10亿美元。”

"Thousands of New Yorkers and investors nationwide have lost millions of dollars to cryptocurrency scams and fraud that can be avoided with more robust federal regulations."

“全国成千上万的纽约人和投资者损失了数百万美元的加密货币骗局和欺诈，可以通过更强大的联邦法规来避免。”

James also demanded greater protections from crypto scams that have resulted in tremendous financial losses.

詹姆斯还要求对加密骗局进行更大的保护，这些骗局造成了巨大的财务损失。

"Despite the promise of new technologies, the cryptocurrency market is riddled with fraud, scams, and deception, and investors are paying the price," she said.

她说：“尽管有新技术的希望，但加密货币市场充满了欺诈，骗局和欺骗，投资者仍在付出代价。”

"We need strong federal regulations to protect investors from being defrauded by cryptocurrencies and to mitigate the risk of price volatility and market manipulation."

“我们需要强有力的联邦法规，以保护投资者免于被加密货币欺骗，并减轻价格波动和市场操纵的风险。”

Keep Crypto Out Of Retirement Funds

将加密货币拒之门外

The attorney general went so far as to advise against having digital assets in retirement accounts like IRAs.

总检察长甚至建议不要在IRA等退休帐户中拥有数字资产。

James argued that cryptocurrencies are too volatile and risky for retirement savings plans. She cited the extreme price fluctuations of Bitcoin as evidence of instability that could harm the financial well-being of individuals, especially retirees who depend on their savings.

詹姆斯认为，对于退休储蓄计划而言，加密货币过于波动和冒险。她认为比特币的极端价格波动是不稳定的证据，可能会损害个人的财务状况，尤其是依靠储蓄的退休人员。

This is relevant because financial institutions like Fidelity began offering crypto IRA options to clients.

这很重要，因为像Fidelity这样的金融机构开始向客户提供加密IRA选项。

In addition to investor protection, James maintained that comprehensive crypto regulations would enhance national security by curtailing criminal activity.

除了投资者的保护外，詹姆斯还坚持认为，全面的加密法规将通过减少犯罪活动来增强国家安全。

She explained that cryptocurrency purchases are usually anonymous and used for criminal activities, necessitating the government to implement stringent rules mandancing crypto firms to register with regulators and adhere to anti-money laundering protocols.

她解释说，加密货币的购买通常是匿名的，用于犯罪活动，因此政府必须执行严格的规则，这些规则将加密货币公司注册在监管机构中并遵守反洗钱方案。