康涅狄格州通过HB 7082，禁止州和市政府投资比特币和其他虚拟货币

该立法的标题为“有关虚拟货币和国家投资的法规”，并获得了两党的支持，并被签署为法律

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.

康涅狄格州通过了一项综合法案，该法案对该州与数字资产的互动构成了重大限制，使美国在美国地区的互动使国家对比特币和区块链技术的兴趣日益增加。

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的标题为“有关虚拟货币和州投资的法规”，该州立法机关通过了有关公共部门参与加密货币的风险和利益的广泛辩论，并签署为法律。

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.

新法律明确禁止所有州和市政政府机构，包括公共养老基金和投资委员会，接受，持有或投资比特币，以太或任何其他形式的虚拟货币。这种禁令很广泛，不仅限于特定的加密货币，与其他州的最新提案形成鲜明对比，该提案将比特币整合到财政部或储备资产中。

"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."

“该州不得接受，持有或投资任何虚拟货币，包括但不限于比特币，以太或任何其他形式的虚拟货币，在任何州或市政政府帐户中，包括但不限于任何公共养老基金，投资委员会或任何其他州或任何其他州或市政政府机构，资金或工具。”

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.

该法案的支持者最终在制定该措施方面胜任，他认为，围绕数字资产的波动性和监管不确定性使它们不适合管理纳税人资金或公共财政的长期稳定。他们还对加密货币市场中财务损失，欺诈和监管套利的潜力表示关注。

"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,")

“目的是防止该州的任何州和市政府机构，该州的资金和工具，以任何形式的虚拟货币（例如比特币或以太币）或任何其他加密货币，任何其他加密货币，硬币或代币，不受联邦或州注册或不受任何行政或法规监管或确定性的行政管理或法规监管的销售或发行的代币，

Stricter Compliance Requirements for Crypto Firms

加密公司的更严格的合规要求

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.

除了禁止对虚拟货币进行公共投资外，HB 7082还引入了针对私营部门加密货币业务的新的合规性和消费者保护法规。

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.

最值得注意的规定之一要求，该州内运营的加密支付平台和企业获得了18岁以下的任何用户的同意。该措施旨在将未成年人的暴露限制在数字资产市场的高度投机性和波动性的性质上，与尚未实现年龄验证或实施年龄验证的某些加密平台相反，这是对数字资产市场的高度投机性和波动性的。

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，立法要求加密货币企业遵守更强大的反洗钱（AML）标准。公司必须实施严格的身份验证过程，交易监控系统和报告协议，以检测和防止潜在的非法财务活动。这些要求与康涅狄格州的监管框架与联邦金融法规和由金融行动工作组（FATF）等组织设定的全球标准更加紧密。

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.

该法案的支持者认为，这些消费者的保护和AML保障措施迫切需要避免消费者，尤其是弱势群体，免受与加密货币行业的某些细分市场相关的欺诈，财务损失和剥削的风险。立法者强调了最近的备受瞩目的事件，例如交换崩溃和大规模黑客事件，是迫切需要监管干预的证据。

"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,")

“任何允许用户购买，出售或交换虚拟货币的加密货币支付平台不得允许18岁以下的用户未经明确的父母同意，在平台上开设帐户或从事任何活动，”）

Industry Response and National Implications

行业反应和民族含义

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.

加密货币行业对康涅狄格州的新立法表达了不同的反应。尽管一些利益相关者承认明确的监管准则的重要性，但其他利益相关者警告说，过度限制性措施可能会扼杀创新，并阻止与区块链相关的业务在州内运营。

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.

行业倡导团体还引起了人们的担忧，即康涅狄格州可能会错过与不断增长的数字资产行业相关的潜在经济机会和创造就业机会。美国几个州正在积极寻求吸引区块链和加密货币业务，这是使经济多样化并创造新的就业机会的更广泛努力的一部分。

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.

在国家一级，康涅狄格州的方法为州级加密货币法规的持续拼凑而成，该法规在其范围和专注方面差异很大。缺乏统一的联邦框架，导致了加密货币业务的法律不确定性和动作性挑战。

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.

随着有关加密货币在金融体系中的适当作用的辩论，康涅狄格州的定律可以成为其他寻求采取谨慎，以消费者保护为中心的监管立场的州的典范。预计几位州立法机关将在下一年考虑与加密货币相关的法案，以及诸如金融稳定，监管监督和消费者保护之类的问题在这些讨论中可能会显着。