参议院银行委员会共和党领袖、南卡罗来纳州参议员蒂姆·斯科特提出了《金融诚信和监管管理法案》。
据《华尔街日报》报道,该法案旨在禁止金融监管机构在监管银行时考虑声誉风险,批评者认为这种做法导致了加密货币公司的去银行化。
The term âdebankingâ refers to financial institutions denying services to certain businesses or individuals, often due to perceived risks to their reputation.
In the crypto sector, companies have reported difficulties securing and maintaining banking relationships, attributing these challenges to banksâ concerns over regulatory scrutiny and potential reputational harm. This has raised alarms about the broader implications for innovation and financial inclusion within the digital asset space.â
Senator Scottâs bill seeks to eliminate the consideration of reputational risk from regulatory assessments, thereby preventing regulators from influencing banksâ decisions to engage with legally operating businesses, including those in the cryptocurrency industry.
据《华尔街日报》报道,该法案已获得其他 11 名共和党参议员的支持,反映出他们为解决针对某些领域的偏见所做出的一致努力。
去银行化问题一直是最近立法讨论的焦点。2 月初,参议院银行委员会审查了加密货币公司在维持银行服务方面面临挑战的案例。
该法案的支持者认为,从监管考虑中消除声誉风险将促进公平,并防止对合法企业的过度歧视。
然而,一些行业观察人士警告称,消除声誉风险考虑可能会限制银行管理公众形象和客户信任的潜在威胁的能力。
他们认为,声誉风险是一个合理担忧,可能会影响银行的财务稳定,在监管评估中不应完全忽视。