Grupul pentru drepturi civile nepartizan si nonprofit New Civil Liberties Alliance (NCLA) a depus o serie de plângeri împotriva Trezoreriei SUA la începutul săptămânii prin care aduce reclamații legii propuse de FinCEN, intitulată “Requirements for Certain Transactions Involving Convertible Virtual Currency or Digital Assets.” FinCEN (The Financial Crimes Enforcement Network) este un birou al Departamentului Trezoreriei SUA.
NCLA a declarat:
“The U.S. Treasury Department’s planned ‘crackdown’ on cryptocurrency holders’ private wallets is an unconstitutional power grab … The proposed rule represents a radical — and unlawful — extension of FinCEN’s financial surveillance.”
Grupul descrie propunerea FinCEN ca fiind un “large-scale state intrusion into private digital transactions,” susținând că “unlawful requirements … would lead to a massive collection of people’s personal information” şi ar “likely force privacy-sensitive digital assets out of the U.S. banking system.”
NCLA explică faptul că, potrivit acestei propuneri, “digital assets would fall into the ‘monetary instruments’ category of regulated currencies.” Pe scurt, datele personale ale utilizatorilor de crypto ar trebui să fie colectate conform mandatului cerințelor de păstrare a evidenței și de raportare a tranzacțiilor valutare din legea privind secretul bancar (Bank Secrecy Act – BSA).
Grupul mai pretinde că regula propusă de FinCEN “sets in motion a chain reaction of personal information mandatory disclosure.” Asta înseamnă că dacă o instituție financiară face o tranzacție în crypto mai valoroasă de 3000 de dolari cu o persoană, chiar dacă recipientul folosește un portofel unhosted, unele date specifice trebuie reținute şi de la consumator şi de la vânzător.
NCLA pune în evidenţă că “Even existing BSA requirements for traditional banks do not require this level of disclosure about counterparties.” Mai menționează şi că “The proposed rule exceeds appropriate constitutional limits by empowering FinCEN to exercise Congress’ exclusive legislative power.”
Grupul mai susține şi că “the proposed rule violates the Fourth Amendment by extending the BSA’s reach to require the production of sensitive financial information from those who have never voluntarily disclosed it to a financial institution, and who, like cryptocurrency owners, have been excluded from the BSA’s reach.”
De-asemenea, grupul a menționat că “It would unconstitutionally require disclosure of private information to law enforcement without any suspicion of wrongdoing.”
Caleb Kruckenberg, consilierul juridic de litigii al NCLA, a adus explicații:
“FinCEN’s proposed rule unlawfully attempts to transform the agency’s limited authority to regulate banks into permission to engage in the mass financial surveillance of innocent individuals who merely use digital assets. FinCEN ought to recognize that its proposal would be grossly unconstitutional and promptly scrap this rule.”