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拜登有望任命前Ripple顾问担任银行货币监理官

2021-1-24 16:16

 

华尔街日报报导称,拜登总统预计将提名巴尔(Michael Barr)担任主要银行监管机构之一的货币监理署(OCC)的货币监理官。他之前是Ripple的顾问委员会成员。巴尔将接替上周接替Coinbase前首席法律官布莱恩·布鲁克斯(Brian Brooks)的代理审计长布莱克·保尔森(Blake Paulson),布鲁克斯曾在OCC担任代理职务8个月。


巴尔已经不在瑞波公司工作,该公司目前正被美国证券交易委员会起诉,该委员会声称XRP加密货币是一种证券。


这位教授目前是密歇根大学公共政策系主任。在奥巴马政府期间,他是财政部负责金融机构的助理部长。在此期间,他是《多德-弗兰克法案》(Dodd-Frank Act)的设计师,该法案旨在应对后金融危机时期的监管。


根据他的简历,他的一个重点领域是金融包容性。他是联邦存款保险公司经济包容性咨询委员会成员,也是比尔和梅林达盖茨基金会金融科技咨询委员会成员。


去年,巴尔与其他学者一起发表了有关“未来的中央银行”的论文。通读第三部分,我们还将关注普惠金融。作者认为,这可以通过扩大支付系统的低成本或零成本访问、提高支付速度、禁止掠夺性行为、降低跨境成本和增强系统之间的互操作性来实现。该论文探索了几个国家的低成本系统,从中国的微信支付、支付宝和数字人民币,到肯尼亚的M-Pesa和菲律宾的eGov支付。


如果获得提名并得到确认,巴尔对数字货币的看法很可能会因其增强金融包容性的方式而受到影响。就像人们看到的“绿色清洗”一样,他不太可能落入“包容清洗”的圈套。

 

The Wall Street Journal reported that President Biden is expected to nominate Michael Barr to the role of Comptroller of the Currency at the OCC, one of the main banking regulators. He was previously on the advisory board of Ripple. Barr will replace Acting Comptroller Blake Paulson, who took over the role last week from Brian Brooks, former Chief Legal Officer at Coinbase, who held the OCC position in an acting capacity for eight months.

Barr is no longer with Ripple, which is currently being sued by the SEC, which asserts that the XRP cryptocurrency is a security.

The professor is currently the Dean of Public Policy at the University of Michigan. In the Obama administration, he was the Assistant Secretary for Financial Institutions at the Department of Treasury. During that time, he was an architect of the Dodd-Frank Act, which addressed post-financial crisis regulation.

According to his bio, one of his focus areas is financial inclusion. He serves on the FDIC Advisory Committee on Economic Inclusion and is also on the Bill & Melinda Gates Foundation FinTech Advisory Council, amongst numerous other roles.

Last year along with other academics, Barr published papers on the ‘Central Bank of the Future’. Reading through part three, the focus is also on financial inclusion. The authors believe this can be achieved by expanding low or no-cost access to payment systems, improving payment speed, prohibiting predatory practices, reducing cross border costs, and enhancing interoperability between systems. The paper explored low-cost systems in several countries, from China’s WeChat Pay, Alipay and the digital yuan, to Kenya’s M-Pesa and the Philippines’ eGov Pay.

If nominated and confirmed, there’s a good chance Barr’s approach to digital currencies will be colored by how it might enhance financial inclusion. And much like one sees greenwashing, he’s unlikely to fall for inclusion-washing.

 

来自: Ledger Insights