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#Regulation

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Oct 7Wed
  1. Fintech News Hong KongSource summary64

    HKMA与BNM深化金融科技合作，探索跨境稳定币应用

    HKMA与BNM同意深化数字资产、令牌化、贸易融资和金融基础设施合作，并设立联合政策工作组探索香港与马来西亚之间合规的跨境稳定币应用。双方还计划加强实时全额结算系统连接，并探索连接香港CMU与马来西亚RENTAS。合作也涵盖本币在双边贸易和投资中的使用，以及跨境网络韧性和反诈骗合作。

  4. PYMNTSSource summary60

    Rain申请OCC批准设立全国性信托银行

    Rain已向OCC申请设立Rain National Trust Bank（RNTB），拟将合作方项目的资产托管、储备管理及稳定币发行和赎回纳入联邦监管框架。若获批，RNTB将作为独立子公司，在OCC监督和检查下提供受托资产托管及稳定币发行和赎回，Rain仍是支付平台。ICBA已就数字资产公司申请全国性银行牌照时可能面临较少审查起诉OCC。

  5. Payments DiveSource summary74

    Ramp、Stripe推动获得美联储支付轨道准入，PACE法案待国会推进

    Ramp、Stripe等金融科技公司正推动获得 Federal Reserve 支付轨道准入，并支持国会推进PACE法案。该法案拟在OCC监督下，为非银行实体建立支付服务提供商注册流程，使其可申请使用Fedwire、FedNow和FedACH；Ramp称其约90%的付款使用FedACH。众议院法案目前没有参议院配套法案，受11月中期选举影响，今年通过前景有限。

  6. PYMNTSSource summary78

    CFTC proposes a federal regulatory framework for cryptocurrency exchanges after the Clarity Act setback

    After the Clarity Act failed to pass Congress, CFTC issued an advance notice of proposed rulemaking, considering establishing a federal regulatory framework through Regulation CTX and Regulation CAM.

    推荐理由：The framework places leverage, actual delivery, federal registration, and state-level licensing within the same regulatory boundary, making it easier to understand when exchanges fall within CFTC’s regulatory scope.

Oct 6Tue
  2. CryptopolitanSource summary81

    South Korea’s Financial Services Commission suspends plan to relax bank security rules

    South Korea’s Financial Services Commission has suspended its plan to relax bank security rules after AI-assisted attacks affected 7 financial institutions and exposed tens of thousands of customer records. The next round of participating banks was originally scheduled to be selected on October 7. The plan concerns South Korea’s network isolation rules. In the first round, 49 institutions with at least 10 trillion won in assets and at least 1,000 employees received one-year exemptions, while the second phase was originally intended to expand the program to 75 companies.

    推荐理由：The material connects regulatory relaxation, AI penetration-testing tools and data leaks at multiple institutions, helping readers understand the security and testing trade-offs facing the network isolation policy.

  3. Banking DiveSource summary77

    ICBA sues OCC, seeking tighter approval of national trust bank charters

    Independent Community Bankers of America (ICBA) sued OCC and Jonathan Gould in federal court, seeking to overturn the rules and interpretive letters underpinning recent trust bank charter approvals, as well as the charter approval for Protego Holdings Corp.

    推荐理由：The case centers on whether non-depository, non-fiduciary institutions can obtain national trust bank charters, involving state-law exemptions, regulatory costs, and crypto companies’ pathways to becoming banks.

  6. CryptopolitanSource summary49

    SDNY在FinCEN撤回加密货币混币器监管提案后仍推进Roman Storm案件

    SDNY在FinCEN撤回加密货币混币器监管提案后，仍推进对Tornado Cash联合创始人Roman Storm的刑事案件。FinCEN撤回2023年和2020年两项未完成规则，称混币定义过宽可能抑制合法活动并增加机构报告负担。Storm已因运营无牌照汇款业务罪被定罪，洗钱和规避制裁两项罪名的重审定于April 26, 2027。

  12. PYMNTSSource summary69

    FinCEN 撤回两项加密资产监管提案

    FinCEN 撤回两项针对可兑换数字资产的拟议监管规则，理由包括公众意见以及特朗普政府的放松监管议程。其中一项涉及非托管钱包交易的记录、验证和报告要求，另一项拟对 CVC 混币实施特别措施；FinCEN 表示，评论者担忧混币定义过于宽泛会抑制合法活动，并给受监管金融机构带来较大报告负担。

  14. CryptopolitanSource summary72

    香港稳定币落地迟滞之际加码离岸人民币业务并推进虚拟资产牌照修法

    香港财经事务及库务局局长 Christopher Hui表示，香港将通过离岸人民币流动性工具、债券市场安排等措施扩大离岸人民币业务，并于今年提交虚拟资产牌照制度修订法案。香港已有两家稳定币发行机构获牌，HSBC计划推出港元稳定币 HSBC RedCoin，Anchorpoint Financial则已测试港元代币 HKDAP，但受监管稳定币交易所需的基础设施仍较有限。

  15. CoinDeskSource summary79

    U.S. CFTC Proposes Two Cryptocurrency Regulatory Rules; Gap in Spot Market Oversight Remains

    The U.S. Commodity Futures Trading Commission (CFTC) proposed two rules, Regulation CTX and Regulation CAM, to respectively regulate leveraged, margined or financed cryptocurrency transactions and establish the crypto asset market (CAM) as a new registration category for trading platforms.

    推荐理由：The two proposals cover trading and platform registration respectively, while clearly pointing out that spot trading still has a regulatory gap, making it easier to understand the boundaries of U.S. cryptocurrency market regulation.

Oct 5Mon
  1. CoinDeskSource summary67

    美国财政部制裁涉入超过 $2 million 哈马斯募资网络的相关方

    美国财政部制裁一名哈马斯军事部门成员、两名法国籍个人及两家慈善机构，指其通过加密货币和所谓人道主义捐款为哈马斯筹集超过 $2 million。财政部称该网络在 2020 至 2026 年间募资，其中 $1.5 million 发生在 2023 年 10 月 7 日袭击后，并向加沙一名哈马斯指挥官转移数十万美元加密货币。

Oct 3Sat
  1. CryptopolitanSource summary70

    美国社区银行组织起诉OCC，反对向加密公司发放国家信托银行牌照

    代表美国社区银行的ICBA已在哥伦比亚特区起诉OCC，指其向加密公司发放国家信托银行牌照超出监管权限。此类牌照允许公司管理客户资金和处理交易，但不能吸收现金存款或发放贷款，ICBA认为相关数字资产不具备联邦特许银行同等保护。OCC称新规只是澄清既有授权；OCC表示约18个月收到40份新银行牌照申请，其中23份与数字资产有关。

Oct 2Fri
  1. CoinDeskSource summary32

    美国正处十字路口：SEC 专员 Hester Peirce 卸任前的挑战

    Hester Peirce 结束超过 8 年的 SEC 专员任期，卸任前呼吁建立监管框架，推动隐私增强技术在满足执法要求的同时减少消费者数据暴露。区块链基础设施、零知识证明和可验证凭证已能支持选择性披露，但相关技术的采用仍缺少监管支持。文章主张美国兼顾安全与隐私，而非走向无限监控。

Oct 1Thu
  2. CryptopolitanSource summary58

    俄罗斯央行拟要求银行披露客户加密资产持有情况

    俄罗斯央行拟修改相关指令，要求商业银行和金融机构在客户的账户及存款证明中列出加密资产持有量、出售收入和挖矿收益，计划自 2027 年 7 月 1 日起执行。相关披露主要服务于公务员、议员及国有机构员工等提交的收入和资产申报，范围还包括俄罗斯法律定义的数字金融资产。

Sep 30Wed
  2. CryptopolitanSource summary81

    FCA opens cryptoasset authorisation applications, giving firms a 5-month application window

    FCA opened the cryptoasset authorisation application window on September 30, allowing firms to submit applications within 5 months and continue operating while awaiting a decision. The application window will remain open until 23:59 on February 28, 2027, while the UK's broader FSMA regulatory regime will take effect on October 25, 2027; late applicants will be restricted from signing new customers or expanding into new business, while firms that do not apply will exit the UK cryptoasset market at that point.

    推荐理由：The material outlines the timelines for the application window, restrictions on late applicants, and eventual market exit, helping crypto platforms assess compliance arrangements and exit risks related to UK authorisation.

  3. CoinDeskSource summary27

    OpenAI、Google和Meta等承诺接受白宫自愿协议下的独立AI安全审计

    OpenAI、Google、Meta、Anthropic、Nvidia和xAI同意在一项自愿的白宫协议下，引入外部审计机构评估AI安全控制措施。协议要求监测先进模型是否可能助长网络攻击、黑客入侵及生物或化学威胁，并检查防护是否有效。协议没有执行机制、处罚、披露要求或实施期限，审计机构由企业自行选择，整改也由企业负责。

  4. CoinDeskSource summary73

    SEC拟更新证券转让代理规则：代币化市场不应重演“文书危机”

    SEC于9月1日提议更新自1970年代末以来的首次重大证券转让代理规则，以适应电子记录和证券代币化。作者警告，若所有权数据分散在代币包装、SPV、经纪商账本和链下数据库中，区块链市场可能重演“文书危机”，并建议区分原生链上登记与包装模式、采用数字身份和钱包等持有人识别方式，以及认可由注册转让代理监督的可编程合规。