{"id":58945,"date":"2025-12-11T11:58:00","date_gmt":"2025-12-11T11:58:00","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=58945"},"modified":"2025-12-11T11:58:02","modified_gmt":"2025-12-11T11:58:02","slug":"la-occ-revela-que-9-grandes-bancos-impusieron-restricciones-inapropiadas-a-empresas-cripto","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/la-occ-revela-que-9-grandes-bancos-impusieron-restricciones-inapropiadas-a-empresas-cripto\/","title":{"rendered":"La OCC revela que 9 grandes bancos impusieron restricciones \u201cInapropiadas\u201d a empresas cripto"},"content":{"rendered":"<p data-start=\"232\" data-end=\"430\"><strong data-start=\"232\" data-end=\"430\">Un nuevo informe del OCC contradice a las entidades financieras y expone pol\u00edticas que limitaron el acceso a servicios bancarios para industrias legales, incluido el sector de activos digitales.<\/strong><\/p>\n<p><!--more--><\/p>\n<p data-start=\"432\" data-end=\"956\"><strong>La <a href=\"https:\/\/thecryptocurrencypost.net\/es\/companias\/\" target=\"_blank\" rel=\"noopener\">Oficina del Contralor de la Moneda (OCC)<\/a> public\u00f3 resultados preliminares de su amplia investigaci\u00f3n sobre pr\u00e1cticas de <em data-start=\"554\" data-end=\"565\">debanking<\/em> en los bancos nacionales m\u00e1s grandes del pa\u00eds<\/strong>, y las conclusiones intensifican un conflicto que lleva a\u00f1os entre el sistema financiero tradicional, el sector cripto y los reguladores. Seg\u00fan el organismo, <strong>los nueve bancos analizados aplicaron pol\u00edticas internas que generaron barreras indebidas para negocios completamente legales, entre ellos las empresas dedicadas a los activos digitales.<\/strong><\/p>\n<p data-start=\"958\" data-end=\"1474\">La revisi\u00f3n \u2014ordenada bajo el reciente decreto del presidente Donald Trump que exige igualdad de acceso a servicios bancarios\u2014 evalu\u00f3 las pr\u00e1cticas de <strong>JPMorgan Chase, Bank of America, Citibank, Wells Fargo, U.S. Bank, Capital One, PNC, TD Bank y BMO.<\/strong> De acuerdo con el informe, entre 2020 y 2023 estas instituciones implementaron procesos de aprobaci\u00f3n y restricciones amplias que diferenciaban a los clientes seg\u00fan la naturaleza de sus actividades, incluso cuando esas actividades eran legales y estaban permitidas.<\/p>\n<p data-start=\"1476\" data-end=\"1890\">El organismo se\u00f1al\u00f3 que el impacto no se limit\u00f3 a las <a href=\"https:\/\/x.com\/USOCC\/status\/1998811789958471917?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998811789958471917%7Ctwgr%5E304bbc723edac0c83261bf5db93b34a3dec33020%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fcryptonews.com%2Fnews%2Focc-report-9-major-banks-debanked-crypto%2F\" target=\"_blank\" rel=\"noopener noreferrer\">compa\u00f1\u00edas<\/a> cripto. Sectores como petr\u00f3leo y gas, armas de fuego, prisiones privadas, tabaco y entretenimiento para adultos tambi\u00e9n fueron se\u00f1alados como destinatarios de obst\u00e1culos adicionales.<strong> Las empresas vinculadas a activos digitales quedaron dentro del mismo grupo, enfrentando pol\u00edticas que reduc\u00edan o desalentaban el acceso a servicios bancarios b\u00e1sicos.<\/strong><\/p>\n<p data-start=\"1892\" data-end=\"2426\"><strong>El contralor Jonathan Gould afirm\u00f3 que los resultados evidencian un patr\u00f3n extendido y no incidentes aislados.<\/strong> Calific\u00f3 estas restricciones como perjudiciales para negocios leg\u00edtimos y un \u201cuso inapropiado\u201d de las facultades que otorgan las cartas bancarias nacionales. Si bien los bancos involucrados han negado haber cerrado cuentas por motivos discriminatorios, Gould subray\u00f3 que muchas de las pol\u00edticas cuestionadas eran p\u00fablicas y se aplicaron de manera consistente. La investigaci\u00f3n seguir\u00e1 hasta completar un informe definitivo.<\/p>\n<h2 data-start=\"1892\" data-end=\"2426\">Regulador dice que los bancos usaron los poderes de la carta de manera incorrecta<\/h2>\n<p data-start=\"2428\" data-end=\"3069\"><strong>El fen\u00f3meno del <em data-start=\"2444\" data-end=\"2455\">debanking<\/em> ha estado hist\u00f3ricamente relacionado con se\u00f1ales regulatorias ambiguas. Aun sin prohibiciones directas, numerosos bancos interpretaron advertencias, consultas o comunicaciones informales de organismos federales como razones para reducir su exposici\u00f3n al sector cripto<\/strong>. Uno de los ejemplos m\u00e1s citados ocurri\u00f3 cuando la FDIC aconsej\u00f3 a los bancos \u201cpausar\u201d sus actividades vinculadas a criptomonedas, un mensaje que gener\u00f3 temor en los departamentos de cumplimiento y provoc\u00f3 cierres preventivos.<strong> Para muchas firmas cripto, esto se tradujo en a\u00f1os de dificultades para obtener o mantener cuentas operativas b\u00e1sicas.<\/strong><\/p>\n<p data-start=\"3071\" data-end=\"3633\"><strong>El tema se volvi\u00f3 un foco pol\u00edtico central. El decreto firmado por Trump en agosto busc\u00f3 impedir que las instituciones financieras negaran servicios por motivos ideol\u00f3gicos o ajenos al riesgo financiero real.<\/strong> En paralelo, estados como Florida, Idaho y Tennessee impulsaron leyes de \u201cacceso justo\u201d con el mismo objetivo. Pese a esto, los bancos sostienen que sus decisiones se basan en obligaciones de prevenci\u00f3n de lavado de dinero y en la necesidad de monitorear actividades sospechosas, no en un sesgo contra el sector cripto u otras industrias controvertidas.<\/p>\n<p data-start=\"3635\" data-end=\"4280\">La disputa tambi\u00e9n se traslad\u00f3 al \u00e1mbito judicial. El exsolicitador general Donald Verrilli argument\u00f3 que la negativa de la Reserva Federal a otorgar una cuenta <em data-start=\"3796\" data-end=\"3804\">master<\/em> a Custodia Bank reflej\u00f3 un criterio seg\u00fan el cual los negocios cripto son inherentemente riesgosos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un nuevo informe del OCC contradice a las entidades financieras y expone pol\u00edticas que limitaron el acceso a servicios bancarios para industrias legales, incluido el sector de activos digitales.<\/p>\n","protected":false},"author":36,"featured_media":58944,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33,257],"tags":[896,1653,1652],"class_list":["post-58945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-editors-picks","category-regulacion","tag-jpmorgan","tag-occ","tag-oficina-del-contralor-de-la-moneda"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La OCC revela que 9 grandes bancos impusieron restricciones \u201cInapropiadas\u201d a empresas cripto The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Un nuevo informe del OCC contradice a las entidades financieras y expone pol\u00edticas que limitaron el acceso a servicios bancarios para industrias legales\" \/>\n<meta name=\"robots\" content=\"index, follow, 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