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美国亚利桑那州金融科技沙盒正式开放申请

国际资讯监管与政策

美国亚利桑那州金融科技沙盒正式开放申请

2018年8月3日,美国亚利桑那州成为了全美第一个制定“监管沙盒”的州。

通过这一机制,有关企业可以在进行金融创新技术升级或机制改革时豁免与某些州级或联邦级别的法规要求。

据了解,该沙盒是2018年3月立法签署的,该法律授权州检察长制定和管理该计划。亚利桑那州总检察长将允许获得批准的金融科技公司最多为10,000名该州居民(在某些情况下上升至17,500名居民)和最多两年(可能还有一个)的情况下对产品和服务进行测试 - 年份延期),无需额外许可。

根据司法部长的说法,符合条件的产品或服务可能包括“大多数类型的信贷延伸服务,例如P2P贷款和在线市场贷款”,“用于资金传输和投资管理的创新产品和服务”以及某些区块链。或者是加密货币产品或服务。而不被纳入该沙盒机制的产品或服务包括证券交易、保险产品和提供“单独存款功能”的服务。申请人必须提交到亚利桑那州的管辖范围,但不需要是亚利桑那州居民或企业。

该州的授权法规包括对参与者的商业秘密保护,比如其中一项条款规定,由总检察长办公室作为管理沙盒的一部分获得的记录不是公共记录,也不公开供公众查阅。

虽然该沙盒机制是美国各州中的第一个,但亚利桑那州的法规明显包括互惠功能,允许参与者同时参与其他司法管辖区的类似计划,并得到亚利桑那州总检察长的许可。

其实,全球目前已经有不少国家和地区开始尝试使用监管沙盒进行金融科技创新,包括英国、加拿大和新加坡。

而在美国本土亦是如此,比如消费者金融保护局代理主任Mulvaney于2018年5月宣布,该局正在与美国商品期货交易委员会协调开发其金融科技监管沙盒。 2018年7月18日,代理主任Mulvaney宣布选择Paul Watkins领导该局的创新办公室。沃特金斯此前曾在亚利桑那州总检察长办公室任职,负责办公室的金融科技计划,包括创建该州的金融科技监管沙盒。

Arizona recently became the first state in the U.S. to create a “regulatory sandbox” program to facilitate the development of innovative financial products and services. Such products would either incorporate new or emerging technology or reimagine uses of existing technology. The program would exempt participants from certain state financial regulations, but not federal requirements.

On August 3, 2018, the Arizona sandbox went live and began accepting applications.

The sandbox is the result of legislation signed into law in March 2018 that authorizes the state’s attorney general to create and administer the program. The Arizona Attorney General will allow approved fintech companies to engage in the testing of products and services on up to 10,000 state residents (and as many as 17,500 residents in some instances) and for up to two years (with the possibility of an additional one-year extension) without additional licensing.

According to the attorney general, eligible products or services may include “most types of credit extending services, such as peer-to-peer lending and online marketplace lending,” “innovative products and services for money transmission and investment management,” and certain blockchain or cyptocurrency products or services. Ineligible products or services include securities trading, insurance products, and services that provide “solely deposit-taking functions.” Applicants must submit to Arizona jurisdiction but are not required to be Arizona residents or businesses.

The state’s enabling statute includes trade secret protection for participants, including a provision stating that records obtained by the attorney general’s office as part of administering the sandbox are not public records nor open for inspection by the public.

Although the sandbox is a first among U.S. states, the Arizona statute notably includes a reciprocity feature that would allow sandbox participants to participate simultaneously in similar programs in other jurisdictions, with the Arizona Attorney General’s permission.

Several foreign jurisdictions have begun experimenting with regulatory sandboxes for fintech innovation, including the United Kingdom, Canada, and Singapore. Bureau of Consumer Financial Protection Acting Director Mulvaney announced in May 2018 that the Bureau is developing its fintech regulatory sandbox in coordination with the U.S. Commodity Futures Trading Commission. On July 18, 2018, Acting Director Mulvaney announced his selection of Paul Watkins to lead the Bureau’s Office of Innovation. Watkins previously served in the Office of the Arizona Attorney General, where he led the office’s fintech initiatives, including the creation of the state’s fintech regulatory sandbox.

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