Advancing a Framework for Regulating Cryptocurrency Payments Intermediaries

被引：0

作者：

Hughes, Sarah Jane ^{[1
,2
,3
,4
,5
]}

Middlebrook, Stephen T. ^{[6
,7
,8
,9
]}

机构：

[1] Indiana Univ, Commercial Law, Maurer Sch Law, Bloomington, IN 47405 USA

[2] ULC, Study Comm Alternat & Mobile Payments, Chicago, IL USA

[3] ULC, Drafting Comm Alternat Payments, Chicago, IL 60602 USA

[4] ULC, Money Serv Business Drafting Comm, Chicago, IL USA

[5] Fed Trade Commiss, Washington, DC 20580 USA

[6] Unirush LLC, Cincinnati, OH USA

[7] FSV Payment Syst Inc, Jacksonville, FL USA

[8] US Dept Treasury, Financial Management Serv, Washington, DC 20226 USA

[9] ULC, Study Comm, Chicago, IL USA

来源：

YALE JOURNAL ON REGULATION | 2015年 / 32卷 / 02期

关键词：

ELECTRONIC PAYMENTS;

D O I：

暂无

中图分类号：

D9 [法律]; DF [法律];

学科分类号：

0301 ;

摘要：

This Article looks at competing models for regulating providers of services to individuals and businesses that take cryptocurrencies in payment for goods and services, including operators of online wallets and exchanges, and other cryptocurrency market intermediaries whose functions resemble "money service businesses" or "money transmission." We conclude that, in addition to whatever "money services" or "money transmission" prudential regulation the States or federal government may adopt, the operation of wallets and exchanges requires a new commercial law that lays out rights and liabilities of cryptocurrency users in a robust and transparent fashion. We use Article 4A of the Uniform Commercial Code as a model for regulating cryptocurrency transactions in which intermediaries play a role.

引用

页码：495 / 559

页数：65

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