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美国拟在各监管部门内增设金融服务创新办公室

近日有报道指出,由美国国会议员Patrick McHenry提出的法规即将公布,此法规意图加强美国金融科技创新发展。

这份名为《2016年金融服务创新法案》的18页文件提出,应当在众多美国管理机构内部增设专门的金融服务创新办公室(FSIO),共同推动金融服务的监督与执行。其中涉及的监管部门有:

(1)联邦储备系统董事会

(2)金融消费者保护局(CFPB)

(3)商品期货交易委员会 (CFTC)

(4)住房及城市发展部(HUD)

(5)财政部

(6)农业信贷管理部

(7)美国联邦存款保险公司(FDIC)

(8)联邦住房金融局

(9)联邦贸易委员会(FTC)

(10)国家信用联盟管理委员会

(11)货币监理署办公室(OCC)

(12)证券交易委员会(SEC)

一旦该法案写入法律,每个机构将依法成立金融服务创新办公室并任命办公室主任,与其他金融服务创新办公室合作,共同促进金融科技创新发展。这些机构还被要求建立金融服务创新办公室联络委员会,便于与其他办公室协商协调。委员会主席将由成员选举产生。

法案颁布六个月后及此后每年,每个机构都将向国会及金融稳定监督委员会提交一份报告,报告包含慎重的申请书说明、通过或驳回申请书的原因及金融服务创新办公室为促进金融创新所做的工作。

金融稳定监督委员会也被要求向国会就整体工作做年度报告。

简而言之,此法案希望帮助金融科技企业家及创新企业,指引他们穿越错综复杂的监管机构和法令。虽然常识告诉我们要合理减少甚至消灭监管职能重叠的机构,但政治现实是一旦建立,这些机构就很难清除。美国必须重振金融科技创新,以帮助维持美国金融中心的霸主地位,这项法令可能是最好的办法。不幸的是,跨金融监管部门协调就好像管理害怕失去领地的军阀。下一个问题就是McHenry是否能够团结两党的支持,将此法案变成法律。

Yesterday Crowdfund Insider wrote about forthcoming legislation from Congressman Patrick McHenry that is designed to enhance Fintech innovation in the US. Today we have a copy of the draft bill, embedded below.

The 18 page document entitled the Financial Services Innovation Act of 2016 is set to create a Financial Services Innovative Office or FSIO within the multitude of US regulatory agencies that are engaged with financial services oversight and enforcement. The list of regulators is (embarrassingly) long:

(1) The Board of Governors of the Federal Reserve System

(2) The Bureau of Consumer Financial Protection (CFPB)

(3) Commodity Futures Trading Commission (CFTC)

(4) The Department of Housing and Urban Development (HUD)

(5) The Department of Treasury

(6) The Farm Credit Administration

(7) The Federal Deposit Insurance Corporation (FDIC)

(8) The Federal Housing Finance Agency

(9) The Federal Trade Commission (FTC)

(10) The National Credit Union Administration Board

(11) The Office of the Comptroller of the Currency (OCC)

(12) The Securities and Exchange Commission (SEC)

If enacted into law, each agency will be mandated to establish a FSIO and appoint a director to help empower Fintech innovation and coordinate with other FSIOs. The agencies will also be required to create a FSIO Liason Committee to consult and coordinate with the various FSIOs. The first Chair will be elected by the members.

Six months after the date of the enactment of this Act, and annually thereafter, each agency will submit a report to Congress and to the Financial Stability Oversight Council, and shall present testimony to Congress, on the activities of the FSIO, including a description of the petitions considered, the rationale for acceptance or rejection of petitions, and the efforts of the FSIO to encourage financial innovations.

The Financial Stability Oversight Council shall also be required to submit an annual report to Congress on the overall impact.

In brief, the bill seeks to help Fintech entrepreneurs and startups navigate their way through the byzantine labyrinth of regulatory agencies and rules. While common sense says just rationalize and eliminate many of these overlapping regulatory bureaucracies the political reality is once created they are quite hard to remove. This bill may be the best bet the US has to reinvigorate Fintech innovation and help maintain US dominance as a financial center. Unfortunately, coordinating across financial regulatory agencies is akin to managing warlords fearful of losing their empires. The next question is will McHenry be able to rally the bipartisan support to turn a bill into law.


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