美國銀行正在遊說國會通過立法，這將有利於銀行

這座耗資2840億美元的全球重要銀行（G-SIB）旨在限制非銀行的法律能力來創建Stablecoins。

Bank of America is lobbying Congress to pass legislation that will favor banks when determining who can issue stablecoins, according to a report by The Block.

根據該街區的一份報告，美國銀行正在遊說國會通過立法，這些立法將在確定誰可以發行穩定的銀行時有利於銀行。

The $284 billion Global Systemically Important Bank (G-SIB) aims to limit non-banks’ legal abilities to create stablecoins.

這座耗資2840億美元的全球重要銀行（G-SIB）旨在限制非銀行的法律能力來創建Stablecoins。

Earlier this year, CEO Brian Moynihan was said to be working with lobbying groups like the American Bankers Association and Bank Policy Institute to integrate language about bank-issued stablecoins into any bill that reaches Donald Trump’s desk for signature. He also wants to issue a fully reserved, 1:1 backed “Bank of America coin.”

據說今年早些時候，首席執行官布萊恩·莫伊尼漢（Brian Moynihan）正在與美國銀行家協會和銀行政策研究所（Bank Policy Institute）等遊說團體合作，將有關銀行發行的穩定的語言集成到任何涉及唐納德·特朗普（Donald Trump）辦公桌以進行簽名的法案中。他還想發行完全保留的1：1支持的“美國銀行硬幣”。

If the bank’s efforts succeed, it could limit the stablecoin efforts of non-banks like Coinbase (NASDAQ:), Circle, Amazon (NASDAQ:), Meta (NASDAQ:), Tether, and many others.

如果銀行的努力成功，它可能會限制諸如Coinbase（Nasdaq :)，Circle，Amazon（NASDAQ :)，Meta（Nasdaq :)，Tether，Tether，Tether和許多其他許多非銀行的努力。

Both chambers of Congress are considering bills that would regulate stablecoins. Senators, for example, introduced the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act. Representatives in the House introduced the STABLE Act.

國會的兩個議會都在考慮規範穩定的法案。例如，參議員引入了指導和建立針對美國Stablecoins（Genius）法案的國家創新。眾議院的代表提出了穩定法案。

Neither bill necessarily precludes the possibility that a US-based firm can issue a stablecoin regardless of whether it is a bank.

任何法案都不一定不能排除美國公司可以發行穩定的可能性，而不管它是銀行。

However, Bank of America would prefer rule-making from US government divisions like the US Federal Reserve and Treasury, and their bureaus to give preference or even exclusivity to bank-operated stablecoins.

但是，美國銀行希望從美國美聯儲和財政部等美國政府部門製定規則，以及他們的局，而不是偏愛銀行經營的穩定者。

Obviously, Circle is also conducting its own lobbying efforts. The company’s major stablecoin, USDC, has a $60 billion market cap that ranks second only to Tether’s $144 billion USDT.

顯然，Circle還在進行自己的遊說工作。該公司的主要Stablecoin USDC擁有600億美元的市值，僅佔Tether的1,440億美元。

Unlike Tether, which has a history of becoming a target of regulatory enforcement, Bank of America lobbyists are making the case that it will always stay transparent and comply with US laws.

與Tether具有成為監管執法目標的歷史不同，美國銀行遊說者正在證明它將始終保持透明並遵守美國法律。

Of course, Bank of America has not always complied with US laws. For example, the bank was accused of underpaying for FDIC insurance, double-charging customers, violating the Home Mortgage Disclosure Act, and more. It also faced a DoJ financial fraud case that led to a penalty exceeding $16 billion.

當然，美國銀行並不總是遵守美國法律。例如，該銀行被指控為FDIC保險，雙重收費客戶，違反《房屋抵押貸款披露法》等等。它還面臨著司法部財務欺詐案，導致罰款超過160億美元。