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安永金融服務風險管理、咨詢總監，曾任螞蟻金服反洗錢總監，復旦大學...
周錦賢先生，香港人，廣州暨南大學法律學士，復旦大學中國反洗錢研究中...
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武漢中南財經政法大學信息安全學院教授。長期專注于反洗錢/反恐...
生辰：1977.7.26 籍貫：遼寧撫順 民族：漢 黨派：九三學社 職稱：教授 研究...
祝亞雄，1974年生，浙江衢州人。浙江師范大學經濟與管理學院副教授，博...
復旦大學中國反洗錢研究中心特聘研究員；現任安永管理咨詢服務合伙...
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Recently, a video surfaced revealing the involvement of big banks in the drafting of the Digital Asset Anti-Money Laundering Act, initiated by Senators Roger Marshall and Elizabeth Warren. The act, originally introduced in December 2022, has garnered significant attention due to its potential impact on the cryptocurrency sector.
In a revealing video, Senator Roger Marshall disclosed that he and Senator Elizabeth Warren approached the American Bankers Association (ABA) for help in crafting the Digital Asset Anti-Money Laundering Act. This involvement of big banks has raised eyebrows in the crypto community, with Coinbase CEO Brian Armstrong expressing his disappointment over the senators' apparent alignment with banking interests. The legislation, however, faces considerable criticism. Critics argue that the act imposes unrealistic burdens on software developers and users by treating them as financial institutions. This could compel them to adhere to stringent AML programs, echoing concerns over the bill's constitutionality and potential infringement on freedom of expression. Moreover, the act doesn't seem to address the resource-intensive nature of these compliance requirements and overlooks the effectiveness of existing blockchain analytics in combating illicit financial flows. The crypto community has responded with substantial criticism, questioning the extent of the problem the act aims to address and the appropriateness of its proposed solutions.
The act aims to integrate cryptocurrency technology, including noncustodial wallets, validators, and mining pools, into the stringent banking regulations of the United States. It intends to address loopholes in anti-money laundering (AML) and counter-terrorism financing by extending existing financial regulations to digital assets. This includes extending Bank Secrecy Act responsibilities to various actors in the digital asset ecosystem, prohibiting financial institutions from dealing with anonymizing technologies, and enhancing enforcement mechanisms.
The Digital Asset Anti-Money Laundering Act, while striving to align digital assets with traditional financial system regulations, faces significant challenges. The involvement of big banks in its drafting, alongside the broad implications and potential constitutional issues, have sparked a heated debate. As the crypto industry continues to evolve, the need for balanced and effective regulation becomes increasingly apparent.