# Debanking Articoli collegati

Il Centro Notizie HTX fornisce gli articoli più recenti e le analisi più approfondite su "Debanking", coprendo tendenze di mercato, aggiornamenti sui progetti, sviluppi tecnologici e politiche normative nel settore crypto.

U.S. regulators tighten AML rules while banning “reputation risk” in banking overhaul

U.S. regulators are advancing a coordinated overhaul of banking and stablecoin oversight. They are tightening anti-money laundering (AML) requirements, emphasizing risk-based compliance and demonstrably effective programs. A key change is the implementation of the GENIUS Act framework, bringing stablecoin issuers under bank-like regulation. Issuers must maintain 1:1 reserves, meet liquidity standards, and are restricted from lending or offering yield. Stablecoin holders will not receive deposit insurance. Concurrently, regulators are eliminating the use of “reputation risk” as a supervisory tool, prohibiting agencies from pressuring banks to sever ties with lawful businesses like crypto firms based on perceived public or political concerns. Supervision will now focus strictly on measurable risks. Together, these changes create a more structured, rules-based framework aimed at integrating digital assets while reducing regulatory ambiguity.

ambcrypto04/07 22:02

U.S. regulators tighten AML rules while banning “reputation risk” in banking overhaul

ambcrypto04/07 22:02

Banks push back as Kraken gains access to Federal Reserve Payment system

A U.S. banking industry group, the Bank Policy Institute (BPI), has criticized the Federal Reserve’s decision to grant Kraken Financial a limited-purpose master account, warning it could introduce risks to the payment system and set a precedent for crypto-focused institutions. The approval, granted by the Federal Reserve Bank of Kansas City, allows Kraken—a Wyoming Special Purpose Depository Institution (SPDI)—restricted access to the Fed’s infrastructure. BPI expressed concern that the move occurred before the Federal Reserve finalized its broader policy framework, raising issues of transparency and regulatory consistency. The dispute highlights ongoing tensions between traditional banks and crypto firms over access to financial infrastructure and regulatory oversight.

ambcrypto03/04 17:54

Banks push back as Kraken gains access to Federal Reserve Payment system

ambcrypto03/04 17:54

US Fed Moves to End ‘Reputation Risk’ Rule Amid Crypto Debanking Concerns

The US Federal Reserve is moving to codify a rule that would eliminate "reputation risk" as a factor in banking supervision, a practice blamed for widespread crypto debanking. Announced on February 23, the proposal seeks public feedback for two months. Fed Vice Chair Michelle Bowman stated that supervisors have been improperly pressuring banks to close accounts based on customers' political views, religious beliefs, or involvement in lawful but disfavored businesses like crypto, calling such discrimination unlawful. Senator Lummis and industry figures praised the move, viewing it as ending "Operation Chokepoint 2.0," a term describing alleged government efforts to cut off crypto firms from banking services.

TheNewsCrypto02/24 06:00

US Fed Moves to End ‘Reputation Risk’ Rule Amid Crypto Debanking Concerns

TheNewsCrypto02/24 06:00

Crypto Debanking Deepens in the UK as 40% of Exchange Transactions Face Bank Blocks

A recent study by the UK Cryptoasset Business Council reveals that nearly 40% of transactions to crypto exchanges in the UK are being blocked or delayed by traditional banks. The report, titled "Locked Out: Debanking the UK’s Digital Asset Economy," highlights growing banking restrictions faced by the digital asset sector. Major exchanges, including Coinbase, Kraken, and Gemini, participated in the survey, with 70% reporting a worsening banking environment. Issues include difficulties with card payments and bank transfers, affecting both retail and institutional investors. Banks like Barclays and HSBC have imposed strict transaction limits, while others have halted crypto-related transactions entirely. The UKCBC calls for an end to blanket bans and urges a risk-based approach to avoid stifling innovation and driving business overseas.

TheNewsCrypto01/27 08:54

Crypto Debanking Deepens in the UK as 40% of Exchange Transactions Face Bank Blocks

TheNewsCrypto01/27 08:54

Farewell to the 'Correspondent Bank' Era? Five Crypto Institutions Get the Key to Direct Access to the Fed's Payment System

The U.S. Office of the Comptroller of the Currency (OCC) has conditionally approved five digital asset firms—Ripple, Circle, Paxos, BitGo, and Fidelity Digital Assets—to become federally chartered national trust banks. This marks a significant shift, integrating crypto businesses directly into the federal banking regulatory framework and reducing their historical reliance on intermediary banks. These institutions, now operating under federal oversight, gain regulatory uniformity and nationwide operational rights but are prohibited from taking FDIC-insured deposits or issuing loans. A key advantage is eligibility to apply for direct access to the Federal Reserve’s payment systems (like Fedwire), which could lower transaction costs by 30–50%, enhance settlement efficiency, and mitigate "debanking" risks. This move, enabled by the 2025 GENIUS Act under the Trump administration, reflects a strategic pivot toward recognizing stablecoins as extensions of the dollar system and reinforces requirements for 100% reserve backing and asset segregation. However, traditional banking groups (like BPI) oppose the decision, citing regulatory arbitrage and systemic risks. Final access to Fed accounts remains subject to approval, representing the next phase of industry-regulator negotiation.

Odaily星球日报12/18 03:50

Farewell to the 'Correspondent Bank' Era? Five Crypto Institutions Get the Key to Direct Access to the Fed's Payment System

Odaily星球日报12/18 03:50

‘Grow up... We debank Democrats, we debank Republicans:’ JPMorgan CEO

JPMorgan CEO Jamie Dimon denies that the bank debanks customers based on political or religious affiliations, stating it has closed accounts for people across the political spectrum, including Democrats and Republicans, but never for those reasons. He emphasizes that debanking occurs due to compliance with government subpoenas and other risk factors, not political bias. Dimon reveals he has advocated for over 15 years to change debanking rules, which he calls "customer unfriendly," and applauds the Trump administration's efforts to address the issue. The comments follow accusations from Trump-linked entities and crypto firms, like Strike and ShapeShift, about account closures, raising concerns over financial censorship. Dimon urges reform rather than blame, noting both Democratic and Republican administrations have pressured banks.

cointelegraph12/08 03:41

‘Grow up... We debank Democrats, we debank Republicans:’ JPMorgan CEO