《天才法》上周在参议院失败后，立法者添加了一些两党修正案

这些代表了对反联合派别的重要特许权，并有一些重要的限制。特别是，他们禁止大型科技公司发行，甚至可能持有Stablecoins。

Lawmakers are working on bipartisan amendments to the GENIUS Act, which would impose significant restrictions on Big Tech firms in the realm of stablecoins, according to two Senate aides familiar with the matter.

据两名熟悉此事的参议院助手称，立法者正在对《天才法案》进行两党修正案，该法案将对大型科技公司施加重大限制。

These amendments represent substantial concessions to the anti-crypto faction, especially in light of the Act's failure in the Senate last week due to stiff Democratic opposition and Republican defections.

这些修正案代表了对反联盟派系的实质性让步，尤其是鉴于上周该法案在参议院失败，这是由于强烈的民主反对和共和党的叛逃而导致的。

The aides disclosed that the amendments would increase stablecoin transparency and streamline the process for taking enforcement actions against noncompliant firms. They would also restrict the types of companies that could issue stablecoins, ensuring they meet specific criteria.

助手们透露，修正案将提高稳定的透明度，并简化针对非规定公司采取执法行动的过程。他们还将限制可以发行稳定币的公司的类型，以确保符合特定的标准。

"Prohibits non-financial publicly traded companies from issuing a stablecoin unless they can meet strict criteria regarding financial risk, consumer data privacy, and fair business practices. This helps prevent companies like Meta, Amazon, Google, and Microsoft from issuing a stablecoin and maintains the separation between banking and commerce," reads one version of the amendment.

“除非能够满足财务风险，消费者数据隐私和公平的商业实践的严格标准，否则禁止非财务上的公开交易公司发出稳定的公司。这有助于防止像元，亚马逊，亚马逊，谷歌和Microsoft这样的公司发行StableCoin，并在银行业和商业上保持分离，并保持银行业和商务之间的分离。”

However, a different version of the amendment, also confirmed by a Senate aide, suggests that the intent is to prohibit non-financial companies, including major tech firms, from "holding" any type of stablecoin.

但是，参议院助手也证实了该修正案的另一种版本，这表明其目的是禁止包括大型科技公司在内的非金融公司“持有”任何类型的Stablecoin。

The bill's language is still being finalized, so it's unclear which version will be included in the final text.

该法案的语言仍在完成，因此尚不清楚最终文本中将包含哪个版本。

Here's a preview of how the GENIUS Act might—final text pending—limit major tech companies from owning stablecoins. Tech companies would be prohibited from issuing stablecoins "unless they can meet strict criteria regarding financial risk"https://t.co/Lh2h4ZoxO8

这是《天才法案》如何（最终文本待定）限制主要科技公司拥有Stablecoins的预览。将禁止科技公司发行Stablecoins“除非可以满足财务风险的严格标准” https://t.co/lh2h4zoxo8

— Ben Monroe (@benmonroe) August 4, 2023

- 本·梦露（@benmonroe）2023年8月4日

The aides preferred not to be named as the bill is still in flux and the information is not public yet. Their statements also come as House Financial Services Chair Maxine Waters (D-CA) continues to express skepticism towards the bill.

助手不愿透露姓名，因为该法案仍处于不断变化状态，并且信息尚未公开。他们的陈述也出现，因为众议院金融服务主席Maxine Waters（D-CA）继续对该法案表示怀疑。

Stablecoin regulations have been a priority issue for U.S. crypto regulation, and the GENIUS Act is the industry’s best hope for passing them.

对于美国加密法规来说，Stablecoin法规一直是一个优先问题，而《天才法》是该行业通过它们的最大希望。

The bill, which stands for Granting Enormous Notional Impact to U.S. Savings, would impose new regulations on stablecoins, aiming to mitigate the potential for fraud and deception. It also seeks to create a regulatory framework for crypto exchanges, an area that the SEC has been actively focusing on.

该法案对我们的储蓄赋予了巨大的概念影响，该法案将对Stablecoins施加新的法规，旨在减轻欺诈和欺骗的潜力。它还试图为加密交易所创建一个监管框架，这是SEC一直在积极关注的领域。

After its failure in the Senate last week, the bill is now being revised to address the concerns that led to its downfall. These include limiting the potential for fraud in a few ways, like making it clear that these products have no consumer protection under the FDIC or federal affiliation.

上周参议院失败后，该法案正在修订，以解决导致其倒台的担忧。这些包括以几种方式限制欺诈的潜力，例如清楚地表明，这些产品在FDIC或联邦隶属关系下没有消费者保护。

The amendments also specify that stablecoins cannot be named after the U.S. or any federal agency, and they introduce an amendment to restrict the types of companies that can hold or issue stablecoins.

修正案还指出，稳定币不能以美国或任何联邦机构的名字命名，他们引入了一项修正案，以限制可以持有或发行稳定的公司的公司类型。

"Non-financial companies that apply for a national bank charter or federal savings association membership to issue a stablecoin must meet strict criteria in order to be approved for an application to issue a stablecoin," the amendment states.

《修正案》指出：“申请国家银行宪章或联邦储蓄协会会员资格的非财务公司必须符合严格的标准，以便获得批准申请签署稳定的申请。”

This amendment, in particular, has huge implications. It aims to prevent major tech companies like Meta, Amazon, Google, and Microsoft from issuing stablecoins and maintain the separation between banking and commerce.

尤其是该修正案具有巨大的影响。它的目的是防止Meta，Amazon，Google和Microsoft等主要科技公司发行Stablecoins并保持银行业和商业之间的分离。

These amendments also loosen the requirements for taking enforcement actions against stablecoin issuers and place these actions under the Treasury’s purview, as other regulators like the SEC and CFTC have been massively downsized with the new amendments.

这些修正案还放弃了针对Stablecoin发行人采取执法行动的要求，并将这些行动置于财政部的权限之下，因为SEC和CFTC（例如SEC和CFTC）的其他监管机构对新修正案进行了大规模尺寸。

One amendment specifically names Elon Musk as a federal employee with strong conflicts of interest on this matter, but it names others as well.

一项修正案专门将埃隆·马斯克（Elon Musk）称为联邦雇员，在此问题上也有强烈的利益冲突，但也将其命名为其他雇员。

The amendments also state that the Treasury can't perform the duties assigned to it by the bill if it has any outstanding obligations to a private company for more than 90 days.

这些修正案还指出，如果财政部对私人公司有任何未偿义务，则无法履行该法案分配给该法案的义务，超过90天。

Finally, one amendment says that the new duties assigned to the Treasury by the bill would cease 60 days after the enactment of legislation to reauthorize the Export-Import Bank of the United States.

最后，一项修正案说，该法案分配给财政部的新职责将在制定立法后60天停止，以重新授权美国出口国外银行。

Of course, these amendments are still pending and might not be finalized. In any event, they represent a massive win for the crypto-skeptical faction in Congress.

当然，这些修正案仍在待处理中，并且可能无法完成。无论如何，它们代表了国会中加密奇异的派系的巨大胜利。