Los problemas alcanzan a los bancos estadounidenses por la "desbancarización"
Los bancos, los aranceles, Trump y Elon Musk se llevan a casa el trofeo anual. 2024 está llegando a su fin, lo que significa que solo faltan 20 días para la toma de posesión de Donald Trump como dent de Estados Unidos. Una de sus mayores promesas al pueblo estadounidense es mejorar la economía del país, y sus miras están bien puestas en el sector bancario, que resulta estar en el centro de una controversia denominada "desbancarización".
Más de un año después de que Nigel Farage hablara sobre la desbancarización en el Reino Unido, los debates se están intensificando en Estados Unidos. Voces populares, incluido el capitalista de riesgo Marc Andreessen y el magnate tecnológico Elon Musk, han expresado su preocupación por la pérdida de acceso de personas y empresas al sistema bancario, supuestamente debido a afiliaciones políticas o vínculos con las criptomonedas.
Marc Andreessen, cofundador de Netscape e inversionista influyente, destacó el tema durante una entrevista a finales de noviembre con el presentador de podcast Joe Rogan. Andreessen alegó que los bancos están apuntando a individuos de la derecha política, etiquetándolos como “políticamente expuestos” y cortando vínculos financieros.
Afirmó además que los bancos, bajo la presión de la administración Biden, han estado cerrando matic cuentas vinculadas a negocios relacionados con las criptomonedas.
La tensa relación de los bancos estadounidenses con las criptomonedas: las voces aumentan en volumen
" En los últimos cuatro años, conozco a 30 fundadores de empresas de tecnología que han sido desbancarizados ", afirmó Andreessen, provocando una ola de anécdotas de usuarios de redes sociales que relataban experiencias similares. Sus comentarios echaron más leña al fuego y provocaron un debate generalizado sobre la politización de las prácticas bancarias.
Elon Musk intervino en el asunto a través de X, calificando la desbancarización como un ejemplo de extralimitación del gobierno. Musk argumentó que los cierres de cuentas por motivos políticos deberían considerarse un delito federal.
Envíe este video a amigos y familiares para que comprendan cuán malvado ha sido el gobierno.
pic.twitter.com/XgRnikMK6J- Kekius Maximus (@elonmusk) 29 de noviembre de 2024
Meanwhile, Melania Trump’s claims that her bank terminated her account in the wake of the January 6 Capitol attack have further energized critics to amplify their claims. Reports that her son Barron was also denied a bank account have added to the financial bias “allegations.”
On the political right, these actions have been collectively dubbed “Operation Choke Point 2.0,” referencing an Obama-era initiative that sought to limit banking access for controversial industries such as payday lending.
David Sacks, the incoming AI and cryptocurrency czar for the Trump administration, has vowed to examine the issue. He gave his sentiments on the matter, saying, “There are too many stories of people being hurt by Operation Choke Point 2.0.”
Is there something like too much bureaucracy?
Critics of debanking argue that bureaucratic hurdles and regulatory pressures are driving banks to sever ties with certain clients. Since the financial crisis of 2008, banks have faced thousands of pages of new regulations and billions of dollars in fines, leading to a more risk-averse approach.
When banks terminate client relationships, the reasoning is often vague, fueling speculation that they are making politically motivated decisions.
Regulators, including the Federal Deposit Insurance Corporation (FDIC), insist that they do not direct banks to drop specific customers. However, in 2022, the FDIC advised banks to inform them of any plans to engage with cryptocurrency businesses, which begs the question of whether account closures are a matter of choice or coincidence.
Edward Fishman, a former State Department official and author of Chokepoints: American Power in the Age of Economic Warfare, stated, “With crypto becoming more intertwined with the formal financial system and banking sector, banks are petrified of running afoul of sanctions.”
AI and crypto adoption growth is slow: Is Biden responsible?
The debanking debate is just one aspect of broader concerns about government overreach. Critics of the Biden administration argue that its actions have stifled emerging technologies, including artificial intelligence (AI) and cryptocurrency, by exploiting regulatory chokepoints.
Marc Andreessen revealed that he was warned against funding AI startups during a meeting with White House officials earlier this year. Administration aides allegedly indicated plans to create a “regulatory moat” around select AI companies they could control.
Some officials reportedly went as far as suggesting that certain areas of mathematics could be classified, echoing Cold War-era restrictions on physics research. These claims have raised alarm about the potential politicization of technological development.
In 2022, the Biden administration reportedly issued an executive order supporting the exploration of a central bank digital currency (CBDC). Accompanying this move was a white paper advocating for policies to “limit or eliminate” Bitcoin mining.
By 2024, the administration implemented a 30% excise tax on electricity used by Bitcoin miners and imposed mandatory energy audits on large mining operations. These measures sparked lawsuits from crypto companies, which ultimately succeeded in court.
Critics argue that these actions were designed to centralize control over digital assets and restrict miners’ access to essential resources such as energy. “Unplugging,” as it has been termed, mirrors the alleged debanking strategy to control cryptocurrency through indirect means.
Trump’s administration promises reforms
President-elect Donald Trump’s incoming administration has vowed to address the debanking scandal and related issues. David Sacks has called for an investigation into regulatory agencies, including the FDIC, the Office of the Comptroller of the Currency (OCC), and the Federal Reserve’s prudential regulatory division.
Forward this video to friends & family to understand just how evil the government has been
pic.twitter.com/XgRnikMK6J— Kekius Maximus (@elonmusk) November 29, 2024
Former Comptroller of the Currency Brian Brooks has also suggested revisiting “fair access” rules that would require banks to provide services unless they have a legitimate financial reason to terminate a relationship.
The Trump team proposed reforms that aim to ensure neutrality in banking practices and safeguard access to financial services for lawful activities. Critics of debanking hope these measures will prevent further weaponization of the banking system and foster an environment of fair access for all industries, regardless of political or regulatory pressures.
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