康涅狄格州通過HB 7082，禁止州和市政府投資比特幣和其他虛擬貨幣

該立法的標題為“有關虛擬貨幣和國家投資的法規”，並獲得了兩黨的支持，並被簽署為法律

Connecticut has passed a comprehensive bill that introduces significant restrictions on the state’s interaction with digital assets, setting the state apart in a U.S. region seeing growing interest in bitcoin and blockchain technology.

康涅狄格州通過了一項綜合法案，該法案對該州與數字資產的互動構成了重大限制，使美國在美國地區的互動使國家對比特幣和區塊鏈技術的興趣日益增加。

HB 7082, titled “An Act Concerning the Regulation of Virtual Currency and State Investments,” was passed by the state legislature and signed into law following extensive debates on the risks and benefits of public sector involvement in cryptocurrencies.

HB 7082的標題為“有關虛擬貨幣和州投資的法規”，該州立法機關通過了有關公共部門參與加密貨幣的風險和利益的廣泛辯論，並簽署為法律。

The new law expressly prohibits all state and municipal government agencies, including public pension funds and investment boards, from accepting, holding, or investing in bitcoin, ether, or any other form of virtual currency. This prohibition, which is broad and not limited to specific cryptocurrencies, contrasts with recent proposals in other states to integrate bitcoin into treasury or reserve assets.

新法律明確禁止所有州和市政政府機構，包括公共養老基金和投資委員會，接受，持有或投資比特幣，以太或任何其他形式的虛擬貨幣。這種禁令很廣泛，不僅限於特定的加密貨幣，與其他州的最新提案形成鮮明對比，該提案將比特幣整合到財政部或儲備資產中。

"This State shall not accept, hold or invest in any virtual currency, including, but not limited to, bitcoin, ether or any other form of virtual currency, in any state or municipal government account, including, but not limited to, any public pension fund, investment board or any other state or municipal government agency, fund or instrumentality."

“該州不得接受，持有或投資任何虛擬貨幣，包括但不限於比特幣，以太或任何其他形式的虛擬貨幣，在任何州或市政政府帳戶中，包括但不限於任何公共養老基金，投資委員會或任何其他州或任何其他州或市政政府機構，資金或工具。”

The bill's supporters, who ultimately prevailed in enacting the measure, argued that the volatility and regulatory uncertainty surrounding digital assets render them unsuitable for managing taxpayer funds or the long-term stability of public finances. They also expressed concerns over the potential for financial loss, fraud, and regulatory arbitrage in the cryptocurrency market.

該法案的支持者最終在製定該措施方面勝任，他認為，圍繞數字資產的波動性和監管不確定性使它們不適合管理納稅人資金或公共財政的長期穩定。他們還對加密貨幣市場中財務損失，欺詐和監管套利的潛力表示關注。

"The intent is to prevent any and all state and municipal government agencies, funds and instrumentalities of this state from investing in any form of virtual currency, such as bitcoin or ether, or any other cryptocurrency, coins or tokens that are sold or issued without federal or state registration or that are not subject to any administrative or regulatory supervision by a banking, insurance or securities agency,")

“目的是防止該州的任何州和市政府機構，該州的資金和工具，以任何形式的虛擬貨幣（例如比特幣或以太幣）或任何其他加密貨幣，任何其他加密貨幣，硬幣或代幣，不受聯邦或州註冊或不受任何行政或法規監管或確定性的行政管理或法規監管的銷售或發行的代幣，

Stricter Compliance Requirements for Crypto Firms

加密公司的更嚴格的合規要求

In addition to prohibiting public investments in virtual currencies, HB 7082 introduces a new set of compliance and consumer protection regulations targeting private sector cryptocurrency businesses operating within the state.

除了禁止對虛擬貨幣進行公共投資外，HB 7082還引入了針對私營部門加密貨幣業務的新的合規性和消費者保護法規。

One of the most notable provisions requires that crypto payment platforms and businesses operating within the state obtain parental consent for any user under the age of 18. This measure, which aims to limit the exposure of minors to the highly speculative and volatile nature of digital asset markets, contrasts with the practices of some crypto platforms that have not yet implemented age verification or parental consent requirements.

最值得注意的規定之一要求，該州內運營的加密支付平台和企業獲得了18歲以下的任何用戶的同意。該措施旨在將未成年人的暴露限制在數字資產市場的高度投機性和波動性的性質上，與尚未實現年齡驗證或實施年齡驗證的某些加密平台相反，這是對數字資產市場的高度投機性和波動性的。

Furthermore, the legislation mandates that crypto businesses comply with more robust anti-money laundering (AML) standards. Companies must implement stringent identity verification processes, transaction monitoring systems, and reporting protocols to detect and prevent potential illicit financial activities. These requirements align Connecticut's regulatory framework more closely with federal financial regulations and global standards set by organizations such as the Financial Action Task Force (FATF).

此外，立法要求加密貨幣企業遵守更強大的反洗錢（AML）標準。公司必須實施嚴格的身份驗證過程，交易監控系統和報告協議，以檢測和防止潛在的非法財務活動。這些要求與康涅狄格州的監管框架與聯邦金融法規和由金融行動工作組（FATF）等組織設定的全球標準更加緊密。

Proponents of the bill argue that these consumer protection and AML safeguards are sorely needed to shield consumers, particularly vulnerable populations, from the risks of fraud, financial loss, and exploitation that have been associated with some segments of the cryptocurrency industry. Lawmakers highlighted recent high-profile incidents, such as exchange collapses and large-scale hacking events, as evidence of the urgent need for regulatory intervention.

該法案的支持者認為，這些消費者的保護和AML保障措施迫切需要避免消費者，尤其是弱勢群體，免受與加密貨幣行業的某些細分市場相關的欺詐，財務損失和剝削的風險。立法者強調了最近的備受矚目的事件，例如交換崩潰和大規模黑客事件，是迫切需要監管干預的證據。

"Any cryptocurrency payment platform that permits a user to purchase, sell or exchange virtual currency shall not permit a user under the age of 18 to open an account or engage in any activity on the platform without the express parental consent,")

“任何允許用戶購買，出售或交換虛擬貨幣的加密貨幣支付平台不得允許18歲以下的用戶未經明確的父母同意，在平台上開設帳戶或從事任何活動，”）

Industry Response and National Implications

行業反應和民族含義

The cryptocurrency industry has expressed mixed reactions to Connecticut's new legislation. While some stakeholders acknowledge the importance of clear regulatory guidelines, others warn that overly restrictive measures could stifle innovation and deter blockchain-related businesses from operating within the state.

加密貨幣行業對康涅狄格州的新立法表達了不同的反應。儘管一些利益相關者承認明確的監管準則的重要性，但其他利益相關者警告說，過度限制性措施可能會扼殺創新，並阻止與區塊鏈相關的業務在州內運營。

Industry advocacy groups have also raised concerns that Connecticut may be missing out on potential economic opportunities and job creation associated with the growing digital asset sector. Several U.S. states are actively seeking to attract blockchain and cryptocurrency businesses as part of broader efforts to diversify their economies and create new employment opportunities.

行業倡導團體還引起了人們的擔憂，即康涅狄格州可能會錯過與不斷增長的數字資產行業相關的潛在經濟機會和創造就業機會。美國幾個州正在積極尋求吸引區塊鍊和加密貨幣業務，這是使經濟多樣化並創造新的就業機會的更廣泛努力的一部分。

On a national level, Connecticut's approach contributes to the ongoing patchwork of state-level cryptocurrency regulations, which vary widely in their scope and focus. The lack of a uniform federal framework has led to legal uncertainty andoperability challenges for cryptocurrency businesses.

在國家一級，康涅狄格州的方法為州級加密貨幣法規的持續拼湊而成，該法規在其範圍和專注方面差異很大。缺乏統一的聯邦框架，導致了加密貨幣業務的法律不確定性和動作性挑戰。

As debates over the appropriate role of cryptocurrencies in the financial system continue, Connecticut's law may serve as a model for other states seeking to adopt a cautious, consumer-protection-focused regulatory stance. Several state legislatures are expected to consider cryptocurrency-related bills in the upcoming year, with issues such as financial stability, regulatory oversight, and consumer protection likely to feature prominently in these discussions.

隨著有關加密貨幣在金融體系中的適當作用的辯論，康涅狄格州的定律可以成為其他尋求採取謹慎，以消費者保護為中心的監管立場的州的典範。預計幾位州立法機關將在下一年考慮與加密貨幣相關的法案，以及諸如金融穩定，監管監督和消費者保護之類的問題在這些討論中可能會顯著。