Η FDIC διερευνά τη δυνατότητα να αφήσει τις τράπεζες να διατηρούν κρυπτογράφηση

On Tuesday, the Chairperson of the US Federal Deposit Insurance Corporation, Jelena McWilliams, είπε that the agency is on the path of establishing clear guidelines for the interaction between crypto and banking activity in the US. Addressing attendees of the Money 20/20 conference held in Las Vegas, she explained that her regulatory role in crypto requires her to establish the necessary rules to help innovation thrive and establish the necessary checks to alleviate associated risks.

“If we fail to do this, we risk stifling innovation and forfeiting America’s leadership in developing world-changing technologies,” είπε.

McWilliams further revealed that over the last few months, her agency, in collaboration with the Federal Reserve and the Office of the Comptroller of the Currency, has been working on policies to define how and under which circumstances banks can participate in cryptocurrency activity. Through this engagement, the FDIC chief said her agency intends to issue a series of policy statements to help the public understand how the existing rules and policies are to be implemented on crypto.

«Στόχος μου είναι να παρέχω σαφή καθοδήγηση στο κοινό σχετικά με τον τρόπο με τον οποίο εφαρμόζονται οι υφιστάμενοι κανόνες και οι πολιτικές μας στα περιουσιακά στοιχεία κρυπτογράφησης, σε ποιους τύπους δραστηριοτήτων επιτρέπεται να συμμετέχουν οι τράπεζες και ποιες εποπτικές προσδοκίες έχουμε για τις τράπεζες που ασκούν τέτοιες δραστηριότητες. Σχεδιάζουμε να εκδόσουμε μια σειρά από δηλώσεις πολιτικής τους επόμενους μήνες».

The FDIC chair also acknowledged the importance of stable coins and the role they could potentially play in providing faster and cheaper transactions. However, she warned that adopting one stable coin as a major form of payment in the country or globally would have significant repercussions on financial stability and credit creation as money would no longer be insured in banks. To this, she explained that proper government oversight ought to be implemented before the benefits of these assets are fully enjoyed, but with an assured 1:1 backing by very liquid assets.

“If issuers purport to have reserves available on demand to satisfy withdrawal requests, regulators should have authority to ensure the funds are there, specifically if such issuers are large enough that a stable coin ‘run’ could result in financial instability.”

McWilliams’ remarks follow a Bloomberg αναφέρουν, also released on Monday, indicating that the US treasury will later this week issue a report that would bring stable coins under the regulatory purview of the SEC. The Bloomberg story cited anonymous sources and explained that SEC chair Gary Gensler pushed for the coming changes. The US government intends to regulate the digital assets in the short term before lawmakers eventually establish regulations.

Source: https://coinjournal.net/news/fdic-exploring-the-possibility-of-letting-banks-hold-crypto/