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

聯準會正在就一項提案徵求意見，該提案將強制要求某些支付穩定幣發行機構實施有效的客戶識別程序，與目前針對…的現有要求類似。

<div><div><p>根據週四發布的新聞稿，聯準會正在就一項提案徵求意見，該提案將強制要求某些支付穩定幣發行商實施有效的客戶識別程序，這與銀行和信用社已有的要求類似。</p><adv/><p>該提案與金融犯罪執法網絡 (FinCEN) 和貨幣監理署 (OCC) 等其他機構聯合發布，旨在落實《指導和建立美國穩定幣國家創新法案》( <span>$GENIUS</span> ) 的關鍵條款。</p><adv/><div><div>廣告</div><template/></div><p>該規則將強制要求獲準發行支付穩定幣的機構（PPSI）維持有效的客戶識別程序，包括對帳戶持有人的驗證，以打擊穩定幣領域的洗錢和非法金融風險。</p><p>官員強調，客戶識別規則將有助於降低穩定幣生態系統中的風險，同時支持創新。</p><p>聯準會理事麥可巴爾表示，該提案是解決穩定幣生態系統中洗錢和非法金融風險的重要一步，但他同時警告說，在監管二級市場活動方面仍然存在漏洞。</p><blockquote><p> 「然而，我仍然擔心， <span>《天才</span>法案》的監管框架迄今為止在應對通過支付穩定幣二級市場交易進行的非法融資風險方面做得還不夠。雖然一些數位資產服務提供商在其所在司法管轄區受到反洗錢和反恐怖主義融資要求的約束，但對於不法分子來說，規避這些限制並在進行數位資產時逃避監管實在太容易了，」他表示。</p></blockquote><p>巴爾表示，他將考慮公眾對擴大發卡機構以外的識別要求的意見，並評估<span>《天才</span>法案》框架整體上是否充分解決了非法金融問題。</p><p>該提案現已公開徵求公眾意見，自其在《聯邦公報》上公佈之日起，有 60 天的公眾評議期。</p></div></div>

聯準會、金融犯罪執法網絡（FinCEN）和其他監管機構提議為穩定幣發行商制定類似銀行的識別標準

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