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国际资讯监管与政策

美国首个金融科技监管沙盒正式落地

国际资讯监管与政策

美国首个金融科技监管沙盒正式落地

近日,美国首个金融科技监管沙盒正式落地亚利桑那州,帮助该州的金融科技创企节省冗余和高昂的监管成本。

据了解,该监管沙盒将由盖州的总检察长办公室的消费者保护与宣传部门负责管理,并在必要时迅速采取行动,制止欺诈行为,保护消费者,并与创企共同合作解决问题。

其实,亚利桑那州进行监管沙盒的探索已经有一段时间了。帮助该州制定沙盒计划的律师Paul Watkins最近又得到了来自美国消费者金融保护局的邀约,后者希望Paul帮助该机构设立一个等同效力的监管系统。

而此前,美国财政部也曾呼吁对金融技术监管进行彻底改革,支持建立新的国家金融科技公司章程,引入沙箱机制以及开放消费者数据获取通道。

然而,并非所有美国监管机构都有这个想法。

今年1月刚刚成为美国证券交易委员会委员的共和党人Hester Peirce就表示,沙盒机制让监管方与被监管方的距离过于紧密。

纽约金融服务部负责人Mario Vullo也认为,允许公司逃避保护消费者、保护市场和减低金融服务风险的这种行为是非常荒谬的。

他甚至说,“幼儿才会在沙箱中玩耍。成年人需要的时遵守规则。”

 

The Arizona Attorney General’s Office has opened the first fintech sandbox in the United States, enabling financial services startups to bypass red tape and begin testing their products with live consumer data. Currently, navigating state regulatory requirements can take several months and cost a startup company tens of thousands of dollars in fees.

Inviting applications from startups to join the programme, Arizona Attorney General Mark Brnovich, says: “Arizona has always been a state for big ideas and trailblazers, and this is just one more place where we are primed to be first. Our fintech sandbox will open the doors to economic growth, new jobs, and innovative products that can make everyday life easier and safer.”

The move comes a week after the US Treasury Department called for a radical overhaul of financial technology regulation, backing a new national fintech charter, the introduction of sandboxes, and the opening up of access to consumer data.

The Arizona sandbox has been in the works for some time. Paul Watkins, the lawyer who helped craft the rules governing the opening of the sandbox was recently recruited by the US Bureau of Consumer Financial Protection to create an equivalent system for the agency.

Not all US regulatory bodies are onboard with the idea.

Hester Peirce, a Republican who became an SEC commissioner in January, recently took a swipe at the trend, arguing that the sandbox approach places regulators and the regulated too close together.

Mario Vullo, superintendent of the New York Department of Financial Services has been more vociferous, stating: "The idea that innovation will flourish only by allowing companies to evade laws that protect consumers, and which also safeguard markets and mitigate risk for the financial services industry, is preposterous.

"Toddlers play in sandboxes. Adults play by the rules."

In Arizona, the sandbox will be administered through the Consumer Protection & Advocacy Section of the Arizona Attorney General’s Office with a brief to act quickly if necessary to protect consumers, stop deceptive acts, and work with entrepreneurs to solve problems.

Brnovich says while this programme encourages innovation by easing some regulations, his office remains committed to "enforcing applicable laws and will not tolerate failures to maintain consumer safeguards".

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