联邦存款保险公司（FDIC）阐明了与加密相关的银行活动的立场

联邦存款保险公司（FDIC）周五澄清了其对加密货币相关的银行活动的立场，受到行业领导者的称赞

The Federal Deposit Insurance Corporation (FDIC) has clarified its stance on crypto-related activities by U.S. banks, drawing praise from industry leaders like Cardano founder Charles Hoskinson.

联邦存款保险公司（FDIC）阐明了其对美国银行与加密相关活动的立场，受到了Cardano创始人查尔斯·霍斯金森（Charles Hoskinson）等行业领导者的赞誉。

The FDIC announced Friday that it was rescinding FIL-16-2022. This 2022 policy had required FDIC-supervised institutions to first notify the agency before engaging in digital asset services.

FDIC周五宣布将撤销FIL-16-2022。这项2022年的政策要求FDIC监督机构在从事数字资产服务之前首先通知该机构。

The FDIC’s new guidance confirms that banks may participate in such activities as long as they effectively manage the associated risks.

FDIC的新指南证实，只要银行有效地管理相关风险，银行就可以参加此类活动。

However, while the prior notification requirement has been removed, banks are still expected to conduct crypto-related operations in a safe and sound manner. They must adhere to regulations concerning market risk, liquidity, cybersecurity, and anti-money laundering compliance.

但是，尽管已删除了先前的通知要求，但仍期望银行以安全而良好的方式进行与加密相关的操作。他们必须遵守有关市场风险，流动性，网络安全和反洗钱合规性的法规。

The FDIC also emphasized that financial institutions should work closely with their supervisory teams when navigating digital asset services.

FDIC还强调，金融机构在浏览数字资产服务时应与其监督团队紧密合作。

“Notably, the FIL-16-2022 policy drew criticism from industry leaders for creating an administrative burden and delaying the integration of crypto services by U.S. banks.”

“值得注意的是，FIL-16-2022的政策引起了行业领导人的批评，该政策造成了行政负担，并推迟了美国银行对加密服务的整合。”

The FDIC’s updated approach could reduce friction for banks looking to integrate crypto services and accelerate adoption within the traditional banking sector.

FDIC的最新方法可以减少希望整合加密服务并加速传统银行业中采用的银行的摩擦。

Cardano founder Charles Hoskinson welcomed the move, calling it a “major step forward and a big win for crypto.”

Cardano创始人查尔斯·霍斯金森（Charles Hoskinson）欢迎这一举动，称其为“向加密货币的重大一步，是巨大的胜利”。

“Wow! Banks can now touch crypto without groveling for approval? How generous,” added Teddy Paulus, a Bitcoin advocate.

“哇！银行现在可以触摸加密货币，而无需批准？”比特币倡导者泰迪·保罗斯（Teddy Paulus）补充说。

The FDIC’s decision aligns with broader regulatory easing for crypto businesses. The agency plans to issue further guidance in collaboration with other U.S. financial regulators.

FDIC的决定与加密货币业务更广泛的监管宽松相吻合。该机构计划与其他美国财务监管机构合作发出进一步的指导。

Earlier this year, the Securities and Exchange Commission (SEC) rescinded its policy statement on the application of generally accepted accounting principles (GAAP) to derivatives and hedge funds in E717.

今年早些时候，美国证券交易委员会（SEC）撤销了其在E717中将公认会计原则（GAAP）应用于衍生品和对冲基金的政策声明。

The SEC also voted 3-2 to repeal Staff Accounting Bulletin 121 (SAB 121) and approved the issuance of a new SAB 122.

SEC还以3-2投票赞成废除员工会计公告121（SAB 121），并批准发行新的SAB 122。

SAB 121, which was issued in 1999, required financial institutions holding crypto assets for customers to list them as liabilities on their balance sheets.

SAB 121于1999年发布，要求持有加密货币资产的金融机构将其列为资产负债表上的负债。

The accounting rule had been a subject of controversy, with critics arguing that it would complicate crypto custody and hinder innovation.

会计规则是一个引起争议的主题，批评家认为这会使加密货币的监护权和阻碍创新变得复杂。

Meanwhile, U.S. Senators voted 70-28 on Tuesday to repeal a controversial IRS rule that would have imposed heavy tax reporting requirements on decentralized finance (DeFi) protocols.

同时，美国参议员周二以70-28投票赞成一项有争议的IRS规则，该规则将对分散融资（DEFI）方案施加重型税收报告要求。

The rule, which was part of the 2024 government funding bill, would have required DeFi projects to report user transactions like traditional brokers, raising concerns about privacy and feasibility.

该规则是2024年政府筹资法案的一部分，将要求Defi项目报告传统经纪人等用户交易，从而引起人们对隐私和可行性的担忧。

The House of Representatives previously voted 376-48 to approve the measure. The resolution now moves to President Trump for approval.

众议院此前以376-48票批准了这项措施。该决议现在已向特朗普总统批准。

The Senate vote was largely bipartisan, with 38 Democrats and 32 Republicans voting in favor of the measure. Six Democrats and 22 Republicans voted against it.

参议院的投票主要是两党，有38名民主党人和32名共和党人投票赞成这一措施。六名民主党人和22名共和党人投票反对。