Le autorità di regolamentazione pubblicano una dichiarazione congiunta sui rischi associati alle criptovalute

• La Fed, la Federal Deposit Insurance Corp. (FDIC) e l'Office of the Comptroller of the Currency (OCC) hanno rilasciato una dichiarazione congiunta.
• I regolatori hanno dichiarato che stanno valutando come svolgere le attività legate alle criptovalute senza mettere a rischio i clienti. 
• The agencies stated that there are significant risks which have come to light following the recent failures of several “large crypto-asset companies.”
• The agencies plan to take a “careful and cautious approach” related to the presence of crypto in banking sector.

---

Le criptovalute sono estremamente volatili e, quindi, presentano enormi quantità di rischio. Pertanto, le autorità di regolamentazione di tutto il mondo stanno lavorando su modi in cui la finanza tradizionale può adottare questi asset basati su blockchain senza rischiare la loro salute finanziaria. Di conseguenza, la Federal Reserve, la Federal Deposit Insurance Corp. (FDIC) e l'Office of the Comptroller of the Currency (OCC) hanno rilasciato una dichiarazione congiunta sulle criptovalute. 

Come da comunicato congiunto rilasciato il 3 gennaio 2023, le autorità di regolamentazione hanno notato che mentre alle banche non è vietato o scoraggiato fornire servizi bancari a clienti di qualsiasi classe o tipo specifico, le agenzie stanno attualmente valutando come svolgere attività legate alle criptovalute senza mettere a rischio i clienti. 

“The agencies are continuing to assess whether or how current and proposed crypto-asset-related activities by banking organizations can be conducted in a manner that adequately addresses safety and soundness, consumer protection, legal permissibility, and compliance with applicable laws and regulations, including anti-money laundering and illicit finance statutes and rules,” read the joint statement from the regulators. 

The regulators also noted that there are significant risks which have come to light following the recent failures of several “large crypto-asset companies.” As a result, the agencies plan to take a “careful and cautious approach related to current or proposed crypto-asset-related activities and exposures at each banking organization.” 

2022 has been deemed as one of the worst years for the crypto space and the regulators noted multiple fraud and scams, legal uncertainties, inaccurate or misleading representations or disclosures, volatility and contagion risk flooding the market causing significant damages to investors’ portfolios. The joint statement from the agencies stated that “it is important that risks related to the crypto-asset sector that cannot be mitigated or controlled do not migrate to the banking system.”

The regulators believe that prior to engaging in crypto-related activities and providing similar services, banks should ensure “risk management, including board oversight, policies, procedures, risk assessments, controls, gates and guardrails, and monitoring, to effectively identify and manage risks.” 

“Banking organizations should ensure that crypto-asset-related activities can be performed in a safe and sound manner, are legally permissible, and comply with applicable laws and regulations, including those designed to protect consumers (such as fair lending laws and prohibitions against unfair, deceptive, or abusive acts or practices),” the statement said.

As reported earlier by Bitnation, the research arm of the United States’ Federal Reserve recently pubblicato un paio di relazioni sui rischi associated with the world of decentralized finance, or DeFi and compared to centralized finance, or CeFi. The papers noted that “centralized cryptoentities that act as counterparties to retail users in the digital asset ecosystem are generally not subject to capital, liquidity, or comprehensive disclosure requirements.”

Ultime notizie