Reguladores emitem Declaração Conjunta sobre os Riscos Associados à Criptomoeda

• O Fed, o Federal Deposit Insurance Corp. (FDIC) e o Gabinete do Controlador da Moeda (OCC) emitiram uma declaração conjunta.
• Os reguladores declararam que estão avaliando como as atividades relacionadas à cripto podem ser realizadas sem representar riscos para os clientes. 
• 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.

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Os ativos criptográficos são extremamente voláteis e, portanto, possuem grandes quantidades de risco. Portanto, os reguladores de todo o mundo estão trabalhando em maneiras pelas quais as finanças tradicionais podem adotar esses ativos baseados em blockchain sem arriscar sua saúde financeira. Como resultado do mesmo, o Federal Reserve, o Federal Deposit Insurance Corp. (FDIC) e o Office of the Comptroller of the Currency (OCC) emitiram uma declaração conjunta sobre criptomoedas. 

De acordo com a declaração conjunta emitido em 3 de janeiro de 2023, os reguladores observaram que, embora os bancos não sejam impedidos ou desencorajados de fornecer serviços bancários a clientes de qualquer classe ou tipo específico, as agências estão avaliando como as atividades relacionadas à cripto podem ser realizadas sem representar riscos para os clientes. 

“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 publicou um par de relatórios sobre os riscos 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.”

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