CFPB исключает криптокошельки из правила «Больших участников»

cryptonews.ruPublished on 2024-05-22Last updated on 2024-11-22

Бюро по защите прав потребителей в сфере финансов (CFPB), финансовый регулятор США, завершило разработку своих правил, регулирующих критерии «Большие участники» для цифровых платежных платформ, и исключило передачу криптоактивов из правила.

Согласно окончательному правилу, цифровые кошельки, такие как Apple Pay, и централизованные «одноранговые» платежные сервисы по-прежнему будут подчиняться правилу, которое охватывает только транзакции, номинированные в долларах США. Правительственное агентство написало:

«Окончательное правило ограничивает определение «годового объема покрываемых потребительских платежных транзакций» транзакциями, номинированными в долларах США. С этим разъяснением и соответствующим изменением пункта (b)(3)(i) тест на крупных участников в этом окончательном правиле исключает передачу цифровых активов, включая криптоактивы, такие как биткоины и стейблкоины».

Участники отрасли, такие как исследовательская инвестиционная фирма Paradigm и некоммерческие группы, выступающие за криптовалюту, успешно выступили против первоначальной версии правила CFPB, которая включала транзакции с цифровыми активами.

Обложка окончательного правила CFPB.

CFPB фокусируется на цифровых платежных сервисах

CFPB начал фокусироваться на цифровых платежных сервисах, таких как Apple Pay, Google Pay, и «одноранговых» платежных платформах, таких как Venmo, в сентябре 2023 года. В то время агентство ссылалось на потенциальные монополистические проблемы крупных технологических компаний, вытесняющих более мелкие компании в этой сфере.

В то время Рохит Чопра, директор CFPB, также ссылался на монетизацию данных потребителей, предоставленных этим компаниям, как на еще одну область беспокойства.

После первоначального объявления CFPB предложил контролировать поставщиков криптовалютных кошельков; однако расширение надзора столкнулось с сопротивлением со стороны криптоиндустрии и законодателей.

В январе 2024 года законодатели США направили письмо в CFPB, в котором выступили против правила из-за его потенциального влияния на криптовалюты.

«Одноранговые транзакции через «самостоятельные кошельки» являются основным компонентом экосистемы цифровых активов, поскольку они устраняют риск третьих лиц», — написали законодатели.

Несмотря на противодействие, CFPB, похоже, удвоил усилия в апреле 2024 года, нацелившись на видеоигры на блокчейне из-за возможности торговли внутриигровыми токенами активов за пределами игровой экосистемы на электронных биржах.

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