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国际资讯基于互联网平台的金融业务

遭监管机构反对,在线券商Robinhood下架储蓄产品

国际资讯基于互联网平台的金融业务

遭监管机构反对,在线券商Robinhood下架储蓄产品

上周,著名在线券商平台Robinhood宣布推出活期与储蓄账户,同时提供借记卡和3%的存款利率。

消息一出立即引发强烈反响,市场普遍认为这将对传统银行业产生直接威胁。

然而,轰轰烈烈的宣传才进行了不到一周,Robinhood却宣布下架这款新产品。

Robinhood该款产品介绍中,通过小字说明这些含有不同余额的账户都属于Robinhood经纪账户。

也就是说,用户存储在这些账户中的资金是不受联邦存款保险公司(Federal Deposit Insurance Corporation,后文简称FDIC)保险保护的。

不过,随后Robinhood也给出了自己的解释,表示这一部分资金将受到证券投资者保护公司(Securities Investor Protection Corporation,后文简称SIPC)最多25万美元的保险金保护。

尴尬在于,Robinhood忘记向SIPC提交申请了。

SIPC负责人Stephen Harbeck随即向美国证券交易委员会(SEC)通告了Robinhood的违规行为,并表示:“只赚取利润的资金看起来像贷款。我们不保护贷款经纪人。”

随着事态愈演愈烈,Robinhood撤销了这款储蓄账户的各类市场推广信息。

然而在给用户的公开信中,Robinhood联合创始人Baiju Bhatt和Vlad Tenev似乎并没有表现出任何悔意,而是仍然试图在进行解释。

他们表示:“我们意识到这一消息可能引起了一些混乱。作为一家持牌经纪商,我们受到高度监管,并且非常认真地对待沟通。我们计划在准备推出现金管理计划时与监管机构密切合作,并积极修改我们的营销材料。”

In a classic case of fintech over-reach, stocktrading app Robinhood has backtracked on the launch of its Checking & Savings account after a backlash from regulatory bodies.

Launched to much fanfare last week, Robinhood Checking & Savings was billed as a direct threat to the traditional banking industry, offering a debit card and market-beating three percent rate on deposits.

However, buried in the small print was the admission that the account consisted of separate balances held within a Robinhood brokerage account. That means funds are not FDIC-insured, but - according to the company - would instead be protected by insurance to the tune of $250,000 from the Securities Investor Protection Corporation, or SIPC.

Unfortunately, Robinhood forgot to ask for the regulator's approval, prompting the SIPC's furious head Stephen Harbeck to report the company to the Securities and Exchange Commission, saying: "Money that is doing nothing but earning interest looks like a loan. We do not protect loans to a broker-dealer."

As the storm clouds gathered. Robinhood moved to scrub the page promoting Checking & Savings to its six million users and delete all its victorious tweets about the product.

In an open letter to users, Robinhood co-founders Baiju Bhatt and Vlad Tenev, offered little contrition, but instead reached out to clear up some 'confusion'.

"We realise the announcement may have caused some confusion," they write. "As a licensed broker-dealer, we’re highly regulated and take clear communication very seriously. We plan to work closely with regulators as we prepare to launch our cash management program, and we’re revamping our marketing materials, including the name."

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