The U.S. Consumer Financial Protection Bureau wants to oversee large nonbank payment providers to ensure they're complying with the same laws that more traditional financial institutions abide by – and some subsectors of crypto transactions are included.
The document went on to list different components for how it defines consumer payment applications, including where the consumer is located , that there is indeed a payment happening, that it's to someone who is not the first consumer and that the transactions"must be primarily for personal, family or household purposes."
The bulk of the rule seems focused on large technology companies that provide financial services. While the proposal doesn't explicitly name these companies, footnotes reference Venmo and Cash App as examples of person-to-person payment apps that a majority of Americans have used. Bitcoin and other types of cryptocurrencies qualify as digital assets for the purposes of the CFPB, the document said, but the proposed rule would not cover people buying or selling cryptocurrencies, or converting them into other cryptocurrencies.
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Fonte: AP - 🏆 728. / 51 Consulte Mais informação »