The Federal Reserve is seeking feedback on a proposal that would mandate effective customer identification programs for certain payment stablecoin issuers, mirroring requirements already in place for ...

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<p>The Federal Reserve is seeking feedback on a proposal that would mandate effective customer identification programs for certain payment stablecoin issuers, mirroring requirements already in place for banks and credit unions, according to a Thursday press release.</p>
<adv/><p>Issued alongside other agencies including the Financial Crimes Enforcement Network (FinCEN) and the Office of the Comptroller of the Currency (OCC), the proposal aims to implement key provisions of the Guiding and Establishing National Innovation for US Stablecoins (<span>$GENIUS</span>) Act.</p>
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</div> <p>The rule would mandate that permitted payment stablecoin issuers (PPSIs) maintain effective customer identification programs, including verification of account holders, to combat money laundering and illicit finance risks in the stablecoin sector.</p>
<p>Officials emphasized that the customer identification rules will help mitigate risks in the stablecoin ecosystem while supporting innovation.</p>
<p>Fed Governor Michael Barr said the proposal is an important step in addressing money laundering and illicit finance risks in the stablecoin ecosystem, but cautioned that gaps remain in policing secondary market activity.</p>
<blockquote><p>“I remain concerned, however, that the <span>$GENIUS</span> Act regulatory framework does not do enough so far to address the risks of illicit finance conducted through secondary market transactions in payment stablecoins. While some digital asset service providers are subject to anti-money laundering and anti-terrorist financing requirements in their home jurisdiction, it is far too easy for bad actors to evade these restrictions and operate without detection when transacting in digital assets,” he stated.</p></blockquote>
<p>Barr said he will consider public input on expanding identification requirements beyond issuers and evaluate whether the <span>$GENIUS</span> Act framework as a whole adequately addresses illicit finance concerns.</p>
<p>The proposal is now open for public comment, with a 60-day window starting from its publication in the Federal Register.</p>

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Fed, FinCEN, and other regulators propose bank-like identification standards for stablecoin issuers

联准会正在就一项提案征求意见，该提案将强制要求某些支付稳定币发行机构实施有效的客户识别程序，与目前针对…的现有要求类似。

<div><div><p>根据周四发布的新闻稿，联准会正在就一项提案征求意见，该提案将强制要求某些支付稳定币发行商实施有效的客户识别程序，这与银行和信用社已有的要求类似。</p><adv/><p>该提案与金融犯罪执法网络 (FinCEN) 和货币监理署 (OCC) 等其他机构联合发布，旨在落实《指导和建立美国稳定币国家创新法案》( <span>$GENIUS</span> ) 的关键条款。</p><adv/><div><div>广告</div><template/></div><p>该规则将强制要求获准发行支付稳定币的机构（PPSI）维持有效的客户识别程序，包括对帐户持有人的验证，以打击稳定币领域的洗钱和非法金融风险。</p><p>官员强调，客户识别规则将有助于降低稳定币生态系统中的风险，同时支持创新。</p><p>联准会理事麦可巴尔表示，该提案是解决稳定币生态系统中洗钱和非法金融风险的重要一步，但他同时警告说，在监管二级市场活动方面仍然存在漏洞。</p><blockquote><p> 「然而，我仍然担心， <span>《天才</span>法案》的监管框架迄今为止在应对通过支付稳定币二级市场交易进行的非法融资风险方面做得还不够。虽然一些数位资产服务提供商在其所在司法管辖区受到反洗钱和反恐怖主义融资要求的约束，但对于不法分子来说，规避这些限制并在进行数位资产时逃避监管实在太容易了，」他表示。</p></blockquote><p>巴尔表示，他将考虑公众对扩大发卡机构以外的识别要求的意见，并评估<span>《天才</span>法案》框架整体上是否充分解决了非法金融问题。</p><p>该提案现已公开征求公众意见，自其在《联邦公报》上公布之日起，有 60 天的公众评议期。</p></div></div>

联准会、金融犯罪执法网络（FinCEN）和其他监管机构提议为稳定币发行商制定类似银行的识别标准

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