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去银行化对所有人都造成了伤害,是时候彻底结束这一切了
拜登政府秘密进行的去银行化运动似乎也是非法的。学者们认为,“扼杀行动”已经超出了美国联邦存款保险公司等机构的法定权限范围,其制定并广泛实施的秘密新规很可能违反了《联邦行政程序法》和正当程序原则。与此同时,朱莉·希尔(Julie Hill)教授指出,当前的金融监管机构在实际操作中,倾向于根据客户群体来预判银行的声誉风险,这一行为已经超出了其原本的职责范畴。
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