放松监管？美联储取消银行加密货币业务特别监管项目

Core Viewpoint - The Federal Reserve has announced the discontinuation of its "Novel Activities Supervision Program" established in 2023, which aimed to enhance regulation of the banking sector's cryptocurrency activities [1][3]. Group 1: Regulatory Changes - The Federal Reserve Board has deepened its understanding of certain cryptocurrency and fintech activities since the initiation of the regulatory program, leading to the integration of this information back into standard regulatory processes [3]. - The decision to simplify compliance processes for banks engaging in cryptocurrency activities has been made, while core regulatory principles such as anti-money laundering and consumer protection remain unchanged [3]. Group 2: Context and Background - The "Novel Activities Supervision Program" was introduced in response to the failures of three U.S. banks closely tied to the cryptocurrency industry: Silicon Valley Bank, Silvergate Bank, and Signature Bank [3]. - The focus of the initial program included risks associated with crypto asset custody and loans collateralized by cryptocurrencies [3]. - This move aligns with a broader trend of U.S. regulatory agencies easing restrictions on the cryptocurrency industry, as seen in April when the Federal Reserve withdrew guidance requiring banks to obtain regulatory approval before engaging in new cryptocurrency activities [5].