FDIC restituirà $4B in depositi bancari firmati la prossima settimana

• The Federal Deposit Insurance Corporation (FDIC) plans to return around $4 billion worth of Signature Bank deposits tied to digital assets by “early next week.”
• The bank’s payment platform, Signet, and around $4 billion in deposits, along with $60 billion in loans, were not part of the purchase agreement with Flagstar Bank.
• Tutti i conti relativi alle criptovalute presso Signature Bank che non fanno parte dell'accordo con la NYCB verranno chiusi entro il 5 aprile, nel caso in cui i depositanti non trasferiscano i propri fondi. 
• Nellie Liang, the under secretary for domestic finance at the US Treasury Department, didn’t believe crypto “played a direct role” in the failure of US banks.

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A prominent crypto-friendly bank, Signature Bank, was closed by the New York Department of Financial Services (NYDFS) following the collapse of Silicon Valley Bank and its closure by the California Department of Financial Protection and Innovation (DFPI). The two banks were put up for sale, with a subsidiary of New York Community Bancorp purchasing Signature. Interestingly, around $ billion worth of deposits and $60 billion worth of loans remained with the bank, which the Federal Deposit Insurance Corporation (FDIC) plans to return by “early next week.”

La FDIC è stata istituita come ricevitore sia della Silicon Valley Bank che della Signature all'inizio di questo mese dopo il loro crollo. In un'audizione del 29 marzo del Comitato per i servizi finanziari della Camera degli Stati Uniti, incaricato di esplorare le risposte delle autorità di regolamentazione federali al fallimento di queste banche, il presidente della FDIC degli Stati Uniti, Martin Gruenberg, ha confermato che il piano per i restanti $4 miliardi in Signature Bank i depositi vengono messi in moto. 

Gruenberg ha dichiarato that the plan is to return the deposits that were not covered in the agreement between the subsidiary of New York Community Bancorp (NYCB) by “early next week.” It is crucial to note here that these $4 billion are tied to crypto deposits, and the FDIC plans to close all the crypto related accounts at Signature Bank which are not part of the NYCB deal by April 5 in case the depositors do not move their funds. 

As reported earlier by Reuters, Flagstar Bank, the subsidiary of NYCB, in agreement with Signature Bank, purchased all of the bank’s deposits, some of its loan portfolios, and all 40 of its former branches. Along with $4 billion worth of crypto deposits, $60 billion worth of loans also remain in receivership with the FDIC. Flagstar will buy $12.9 billion of loans at a discount of $2.7 billion, and the deal cost the government agency around $2.5 billion from the Deposit Insurance Fund.

Gruenberg also confirmed that the payment platform debuted by Signature Bank, Signet, along with its crypto deposits, were not included in the NYCB deal and added that these were “in the process now of being marketed” to potential buyers. 

It is important to mention here that Nellie Liang, the under secretary for domestic finance at the US Treasury Department, didn’t believe crypto “played a direct role” in the failure of either Signature or Silicon Valley Bank, adding:

“I know that Signature had activities involved in digital assets, but I don’t believe that is the main [cause].”

Come riportato in precedenza da Bitnation, Barney Frank, membro del consiglio di amministrazione della Signature Bank ed ex membro del Congresso noto per essere coautore del Dodd-Frank Act in seguito al crollo del mercato del 2008 per prevenire una crisi globale, ha affermato che la banca è stata chiusa dal NYDFS per inviare un messaggio agli investitori crittografici e sottolineare che Le valute digitali basate su blockchain sono pericolose. 

 “Crypto panic generated that set of withdrawals,” said Frank. “But I believe the regulators, especially the New York state regulators, wanted to send the message that crypto is toxic.” 

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