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The CFPB analyzed complaints relating to crypto assets between October 2018 and September 2022 and found that the complaint rate increased year to year. The CFPB questioned whether crypto asset platforms are effectively monitoring for misconduct.

Unlike the conclusions drawn by the President's Working Group, the Federal Reserve Board researchers concluded that a broad adoption of asset-backed stablecoins can potentially be supported within a two-tiered, fractional reserve banking system without a negative impact on credit intermediation.