美联储鲍曼：正制定稳定币监管规则 平衡银行与加密货币企业竞争

Group 1 - The Federal Reserve's top banking regulator plans to inform Congress about new regulations for banks and stablecoins to ensure healthy competition among Wall Street, fintech companies, and cryptocurrency firms [1] - The regulator emphasizes the need to encourage responsible innovation while enhancing regulatory capabilities to manage risks associated with new technologies [1] - The proposed regulations will be based on the GENIUS Act, which mandates stablecoin issuers to register formally and hold dollar reserves at a 1:1 ratio [1] Group 2 - Traditional lending institutions warn that the new regulations may lead to an imbalanced competitive environment or hollowing out of the chartering system, where some firms hold bank licenses without fulfilling all historical banking responsibilities [2] - The regulator's testimony highlights efforts to implement several banking capital regulatory measures, including the anticipated final framework of Basel III [3] - The Federal Reserve is working on refining additional capital rules for large banks in conjunction with the overall capital framework reform process [4]