CFPB将推出区块链监管沙箱 - 互联网金融门户 未央网

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区块链国际资讯监管与政策

CFPB将推出区块链监管沙箱

上周三,美国消费者金融保护局(CFPB)执行负责人Mick Mulvaney宣布,CFPB将推出一个监管沙箱,以鼓励区块链和其他金融技术的创新。据华尔街日报,CFPB希望协助开发这些新技术的公司,以及他们提供的“产品和服务”。

Mulvaney告诉《华尔街日报》,CFPB将成立一个新办公室,专门负责审查基于区块链的平台,私人加密货币以及个人“小额加密贷款”。该机构甚至可能会寻找传统信用评分的替代方案。Mulvaney继续说道,“新技术实际上提供了全新和创新的方式来保护消费者,你可以实时看到这些技术对金融生活产生的影响。”

据《华尔街日报》报道,新办公室将由Paul Watkins领导,他曾帮助亚利桑那州推出自己的州级监管沙箱,以用于区块链和加密货币技术。

这并不是Mulvaney第一次支持区块链技术。上个月,管理和预算办公室主任在一次会议上表示,监管机构需要找到鼓励金融技术的“最佳点”,而不会让诈骗和黑客扩散。当时,Mulvaney暗示需要新的监管框架,并表示:“如果......我们了解消费者的唯一方法是通过实体金融机构,而且我们这样做会导致不正当或荒谬的结果,那么我们需要通过新技术来试图识别和预防。”

The Consumer Financial Protection Bureau is launching a regulatory sandbox to encourage blockchain and other financial technology innovation, acting head Mick Mulvaney announced Wednesday.

The CFPB wants to assist companies developing these new technologies, as well as the "products and services" offered by them, the Wall Street Journal reported.

Mulvaney told the newspaper that the new office spearheading the initiative will specifically examine cryptocurrencies, blockchain-based platforms, other private currencies and individual "microlending." The agency may even look into alternatives to traditional credit scores.

He continued:

"You can make a strong argument ... that new technology actually offers new and innovative ways to protect consumers. You are moving light years beyond the complaint hotline to where you can really see things happening in real time."

The new office will notably be led by Paul Watkins, who previously assisted in helping Arizona launch its own state-level regulatory sandbox for blockchain and cryptocurrency technologies, according to the WSJ.

This is not the first time Mulvaney has supported blockchain technology. Last month, the Office of Management and Budget director said at a conference that regulators need to find the "sweet spot" in encouraging financial technology without allowing scams and hacks to proliferate.

At the time he hinted towards the need for new regulatory frameworks, saying "if ... the only way we can look at you is through the lens of the bricks and mortar financial institution, and because we do that it has this perverse or absurd result, that's what we're trying to identify and to prevent."


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