美联储正式取消银行加密业务特别监管项目，加密行业迎利好

Core Viewpoint - The Federal Reserve has closed its Novel Activities Supervision Program, which was aimed at enhancing the regulation of cryptocurrency activities in the banking sector, reflecting a shift in the regulatory stance towards the crypto industry [1][5]. Group 1: Regulatory Changes - The closure of the program is part of a broader trend among U.S. regulators to change their approach to the cryptocurrency industry [5]. - The Federal Reserve has integrated its understanding of cryptocurrency-related risks back into standard regulatory processes, indicating a move towards a more streamlined compliance framework for banks engaging in crypto activities [5]. - Core regulatory principles such as anti-money laundering and consumer protection remain unchanged despite the simplification of compliance processes [5]. Group 2: Background and Context - The program was initiated in response to the 2023 banking crisis, which saw the collapse of three banks closely tied to the cryptocurrency sector: Silicon Valley Bank, Silvergate Bank, and Signature Bank [5]. - The Federal Reserve's decision reflects a recognition of the risks posed by innovative yet unverified technologies to the banking system [5]. Group 3: Recent Developments - Earlier in 2023, the Federal Reserve retracted guidance requiring banks to obtain regulatory approval before engaging in new crypto activities, allowing banks to make independent decisions under existing risk management requirements [6]. - In July 2023, the Federal Reserve, along with two other federal banking regulators, issued joint guidance on how banks can provide cryptocurrency custody services, clarifying that this does not introduce new regulatory requirements [6].