美国商会呼吁监管机构修订金融科技政策 - 互联网金融门户 未央网

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美国商会呼吁监管机构修订金融科技政策

国际资讯监管与政策

美国商会呼吁监管机构修订金融科技政策

上周三,美国商会在华盛顿举办了名为"金融科技:剥茧抽丝"的活动,向财政部、证券交易委员会、消费者金融权益保护局和商品期货交易委员会提交了一系列关于金融科技的建议。

美国商会呼吁监管机构修订金融科技政策。与此同时,商会创设了金融科技创新计划,帮助政策制定者了解金融科技领域的新产品和服务。

具体来说,美国商会的建议包括:

  1. 财政部应当在政策声明中强调创建一个能够促进所有金融科技服务提供商开展创新的监管框架的重要性,为其他机构确定好基调,呼吁财政部合理化监管环境,以"尽量减少重叠的监管辖区和不必要的重复监管,避免市场混乱。"
  2. 消费者金融权益保护局(CFPB)应采用"强有力的交易许可和咨询意见程序,为创新者提供获得成功所需的监管确定性的机会",并应拓展限定交易许可流程,做到与美国证券交易委员会等同类监管机构的流程一致。一旦公司对法律条文有疑问或要求解释法律不明确方面,CFPB还应建立发布咨询意见的新流程。
  3. 关于区块链和加密货币,美国证券交易委员会(SEC)应针对代币和首次代币发行众筹的处理提供更多指导,"以明确代币是否属于证券,这样公司在市场上就可以更好地预测,做到更有把握。"SEC也应该考虑并颁发快捷交易许可。
  4. 美国商会表示,SEC还应扩展合格投资者的定义,将拥有经验或具有教育背景,能够证明具有拓展小规模、平民街投资能力的专业知识的人囊括在内。
  5. 商品期货交易委员会应提供更多指导,并广泛考虑为加密货币颁发快捷交易许可。

共和国首席副众议员Patrick McHenry在周三的活动中表示,金融科技这个词"基本已经过气了",因为许多"新公司"不使用这个词,而是会说"他们的业务是小企业贷款、债务再融资、数字支付或财富管理"。McHenry表示,金融科技领域的创新"需要金融科技、银行和政府开展合作。"如果"政府要在这一领域进行监管,需要找到'适合抓手'监管,而不是回到......'监管反馈循环',用出台新的规定应对既有规定导致的意外后果。"

McHenry目前正在努力重新推介今年的H.R. 6118,这是他去年提出的一项法案,该法案建立了一个联邦监管框架,赋予金融服务公司和企业家灵活性,以便更快地向市场推出创新的金融技术产品。

此外,他还发起了3299.HRR,即《2017年保护消费者获得信贷法案》,该法案在2月份通过了众议院审议,重申了联邦银行法中长期存在的法律先例,规定优先购买贷款的利益是有效的。

来自北卡罗来纳州的共和党议员还发起了 H.R. 3860,即《2017年美国国税局数据验证现代化法案》,该项两党立法要求美国国内收入署通过创建应用程序编程接口来实现收入验证快速服务流程的自动化,允许小型企业和消费者更有效率地获取准确的信用评估。

美国商会支持该法案,并表示众议院和参议院应"迅速考虑"H.R. 3860,因为法案"可以提供收入核实的实时回复,进而大幅改善承保时间。"

《国税局改革法案》规定的这一项两党法案以超过400多张选票通过众议院审议。美国商会表示。"通过这一法案,合格消费者和小企业通过国税局技术升级获得所需的资金的过程将得到简化。"

The U.S. Chamber of Commerce is calling on regulators to change their policies on fintech, and has formed a FinTech Innovation Initiative to help inform policymakers about new products and services in the fintech space.

At its event held in Washington Wednesday called "Fintech: Peeling Back the Layers," the Chamber released the following recommendations for Treasury, the Securities and Exchange Commission, the Consumer Financial Protection Bureau and the Commodity Futures Trading Commission on how they should proceed regarding fintech:

  1. Throughout its policy statements, Treasury should highlight the importance of creating a regulatory framework that fosters fintech innovation for all financial service providers in order to set the tone for other agencies to follow, Chamber advised, calling on Treasury to help streamline the regulatory environment in order to "minimize overlapping regulatory jurisdictions and needlessly duplicative regulation to avoid confusion in the marketplace."
  2. The CFPB should adopt "a robust no-action letter and advisory opinion process that gives innovators the opportunity to receive regulatory certainty they need to be successful," and should expand its "limited no-action letter process to bring it in line" with the processes used by peer regulators, such as the SEC. The Bureau should also create a new process for issuing advisory opinions when companies have questions about a legal provision or are requesting an interpretation of an unclear aspect of the law.
  3. As to blockchain and cryptocurrency, the SEC should give more guidance on the treatments of tokens and initial coin offerings "to indicate whether a token is a security so companies can have more predictability and certainty in the marketplace." The SEC should also consider and issue expedited no-action letters.
  4. The SEC, Chamber said, should also expand the definition of accredited investor to include those with experience or educational backgrounds that demonstrate subject matter expertise to broaden smaller-dollar, main street investments.
  5. The Commodity Futures Trading Commission should provide more guidance and broadly consider expedited no-action letters for cryptocurrency.

Rep. Patrick McHenry, R-N.C., said at the Wednesday event that fintech is "almost a cliché," as many "new companies" will instead say "they are in small-business lending, debt refinancing, digital payments or wealth management."

McHenry said that innovation in the fintech space will "require a partnership among fintech, banks and Washington."

If ever "Washington needs to regulate in the space, it needs to find 'right touch' regulation," he said, "and not fall back to … the 'regulatory feedback loop' where the answer to the unintended consequences of regulation is to create new regulations."

McHenry is currently working to reintroduce this year H.R. 6118, a bill he introduced last year that establishes a federal regulatory framework giving financial services companies and entrepreneurs the flexibility they need to go to market sooner with innovative, new financial technology products.

He has also sponsored H.R. 3299, the Protecting Consumers' Access to Credit Act of 2017, which passed the House in February and reaffirms the longstanding legal precedent under federal banking laws that preempts a loan's interest as valid when made.

The Republican congressman from North Carolina also sponsored H.R. 3860, the IRS Data Verification Modernization Act of 2017, bipartisan legislation to require the Internal Revenue Service to automate the Income Verification Express Services process by creating an application programming Iinterface allowing small businesses and consumers to access accurate credit assessments more efficiently.

The Chamber threw its support behind the bill, stating that the House and Senate should "swiftly consider" H.R. 3860, as it "would drastically improve underwriting times by providing real-time responses for income verification."

The bipartisan bill, previously passed out of the House in the IRS Reform Bill by over 400 votes, "would make it easier for qualified consumers and small businesses to receive the funds they need simply by making technological upgrades at the IRS," the Chamber said.


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