美国国家监管机构一个工作组正在研究第一个比特币规则书，该组的负责人表示，希望能够保护虚拟货币的用户免受欺诈而不扼杀刚刚起步的技术。
在美国，许多公司提供给客户能用虚拟货币支付的商品和服务。但是，由于比特币不是由联邦政府监管，在50个州，用户面临规则的迷惑。
“我们可能会寻找某种类型的模型定义，示范法律或法规，极有可能向我们的联邦同事或国会提出建议， ”David Cotney ，银行马萨诸塞州专员，上周五在一个公开听证会场边告诉路透社记者。
二月份，Cotney被任命为新兴支付工作队的领队，国家银行监事会议（钟声慈善社）的九名成员组成这个工作队。他说，工作队给自己大约一年的时间完成任务。
工作队期待对虚拟货币作出更清晰的定义，运营商需要加以规范，哪些能做，那些不能做， Cotney在接受采访时说。
到目前为止，联邦监管机构一直比较沉默。财政部的金融犯罪执法网络部（FinCEN）去年明确了管比特币的持有者和交易者都是比特币的发送者，这使比特币在国家外汇法律的管辖之下。
美国商品期货交易委员会正在研究他们是否有管辖权，因为一些公司正在考虑推出比特币的衍生品。美国国税局已指定比特币是资产，而不是货币。
评论：保护虚拟货币的用户免受欺诈而不扼杀刚刚起步的技术，法律规范和监督是一个相对较好的方法，比简单的禁止要可行。
(Reuters) – A task force of U.S. state regulators is working on the first bitcoin rule-book, the head of the group said, hoping to protect users of virtual currency from fraud without smothering the fledgling technology.
Numerous companies in the United States enable customers to pay for goods and services in virtual currencies. But since bitcoins are not regulated by the federal government, users face a maze of rules in the 50 states.
"We may be looking at some type of model definitions, or model laws or regulations, and very likely recommendations to either our federal colleagues or to Congress," David Cotney, Massachusetts Commissioner of Banks, told Reuters on the sidelines of a public hearing into the issue on Friday.
Cotney was appointed in February to head the new Emerging Payments Task Force, a group of nine members of the Conference of State Bank Supervisors (CSBS). He said the task force had given itself roughly a year to complete the task.
The task force was hoping for a clearer definition of which operators needed to be regulated and which ones did not, Cotney said in the interview.
"Who’s in and who’s out? So if we can offer that (it) would be a … big step," he said. Cotney’s group also looks at other new payment technologies, such as mobile phone payments, and PayPal, an online money transfer service.
Bitcoin is the most prominent of a group of so-called virtual currencies created bycomputers and governed by the Bitcoin Foundation, outside the control of any government. Some retailers accept bitcoins as payment on the Internet or in shops.
But recent mishaps have brought the technology under heightened scrutiny. Mt. Gox, a Tokyo-based bitcoin exchange, filed for bankruptcy after losing an estimated $650 million worth of client bitcoins.
State regulators say they will not stand in the way of virtual currency operators entering their states, but they want to ensure the business is safe.
Task force member Benjamin Lawksy, the New York Superintendent of Financial Services, in January said his department was working on a "BitLicense". California is another state that has shown interest.
So far, federal regulators have been relatively mum. The Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) last year classified administrators or exchangers of bitcoin as money transmitters, which puts them under the remit of state regulators.
The Commodity Futures Trading Commission is studying whether it has jurisdiction, given that some firms are considering offering bitcoin derivatives. The U.S. Internal Revenue Service has designated bitcoin as property, not currency.
(Reporting by Douwe Miedema; Editing by David Gregorio)
http://www.reuters.com/article/2014/05/17/us-bitcoin-rules-idUSBREA4G08P20140517本文固定链接: 三个硬币 |
http://www.3-coin.com/2014-05-18/1728/
