| 释义 |
- Banks and credit unions
- Federal regulation
- Alternatives to banks
- See also
- References Sources
- Further reading
- External links
The cannabis industry in the U.S. state of Washington has been served by several banks and credit unions since Initiative 502 passed in 2012, legalizing production, distribution, retail sales and possession in the state. Banks and credit unionsThree banks and two credit unions – Numerica Credit Union in Spokane and Salal Credit Union in Seattle – handle most of the accounts. {{As of|2017}}, the state took in 95% of its cannabis tax revenue through banks (vice cash) and the Washington State Department of Revenue requires electronic funds transfer for tax payment, unless the taxpayer is unable to open a bank account.{{sfn|Washington State Department of Revenue|2017}}{{sfn|Black|2017}} Federal regulationWashington's governor and United States Senators have attempted to preserve U.S. Department of the Treasury FinCEN rules in place since 2014 allowing banks to do regulated transactions with the industry, despite conflicting laws on legality at the Federal level.{{sfn|Sword|2018}}{{sfn|McKay |2014}} Alternatives to banksSome Washington cannabis business, particularly at point of sale, is conducted in cryptocurrency.{{sfn|Kaplan|2017}} Some use Square point-of-sale system,{{sfn|Pagliery|2013}} although it has also been reported that PayPal and Square will terminate accounts from cannabis-related businesses.{{sfn|Bricken|2015}} See also{{Portal|Cannabis|Washington}}ReferencesSources- {{citation|title=The Credit Unions and Small Banks That Solved the Cannabis Cash Crisis|author=Lester Black|date=April 19, 2017|newspaper=The Stranger|url=https://www.thestranger.com/green-guide-spring-2017/2017/04/19/25083313/the-credit-unions-and-small-banks-that-solved-the-cannabis-cash-crisis|ref={{harvid|Black|2017}}}}
- {{citation|title=The best kept banking secret in the marijuana industry|author=Gordon Friedman|newspaper=Statesman Journal |location=Salem, Oregon|date=December 23, 2015|url=https://www.statesmanjournal.com/story/money/business/2015/12/24/best-kept-banking-secret-marijuana-industry/76727296/}}
- {{citation|title=Washington and Colorado governors pressure Feds to allow banks to take pot money|author=John McKay|date=May 29, 2014|publisher=KFLD|location=Tri Cities, Washington|url=http://newstalk870.am/gov-inslee-colorado-governor-pressure-feds-to-allow-banks-to-take-pot-money/|ref={{harvid|McKay|2014}}}}
- {{citation|author=Carla Altepeter|work=Anthem|publisher=Northwest Credit Unions Association|title=Numerica Credit Union's Carla Altepeter: Opening Accounts for Marijuana Businesses is 'In the Best Interests of Our Members and Their Communities'|date=May 20, 2014|url=https://nwcua.org/2014/05/20/numerica-credit-union-s-carla-altepeter-opening-accounts-for-marijuana-businesses-is-in-the-best-interests-of-our-members-and-their-communities/}}
- {{citation|title=Murray, Cantwell say legal marijuana relies on banking: Senators urge feds to keep rules that allow access to banks|author=Katy Sword|newspaper=The Columbian |location=Vancouver, Washington|date=January 19, 2018|url=http://www.columbian.com/news/2018/jan/19/murray-cantwell-say-legal-pot-relies-on-banking/|ref={{harvid|Sword|2018}}}}
- {{Citation|title=Feds working on new marijuana banking guidance, Treasury Secretary Mnuchin tells Congress|author=Alex Pasquariello|date=February 15, 2018|work=The Cannabist|publisher=The Denver Post|url=https://www.thecannabist.co/2018/02/15/marijuana-banking-treasury-blumenauer-mnuchin/99123/}}
- {{Citation|title=Bitcoin Is Helping the Pot Business Get Over Its Banking Problem
|author=Jennifer Kaplan
|date=June 13, 2017|url=https://www.bloomberg.com/news/articles/2017-06-13/pot-entrepreneurs-look-to-bitcoin-as-big-banks-stay-on-sidelines|ref={{harvid|Kaplan|2017}}}}- {{citation|title=Legal marijuana's all-cash business and secret banking|author=Jose Pagliery |date=April 29, 2013|publisher=CNNMoney|url=http://money.cnn.com/2013/04/29/smallbusiness/marijuana-cash/index.html|ref={{harvid|Pagliery|2013}}}}
- {{citation|title=What's In Your Dispensary's Wallet?: Marijuana Merchant Processing|author=Hilary Bricken|date=September 8, 2015 |work=Above the Law|type=blog|url=https://abovethelaw.com/2015/09/whats-in-your-dispensarys-wallet-marijuana-merchant-processing/|ref={{harvid|Bricken|2015}}}}
- {{citation|title=Taxes due on marijuana|publisher=Washington State Department of Revenue|type=official website|url=https://dor.wa.gov/find-taxes-rates/taxes-due-marijuana|accessdate=2018-03-17|quote=You must also pay your taxes through My Account. Per Revised Code of Washington 82.32.080, businesses are required to electronically pay excise tax returns unless a waiver has been granted. Failure to pay the excise tax returns electronically may result in a penalty being assessed.|ref={{harvid|Washington State Department of Revenue|2017}}}}
Further reading- {{citation|title=BSA Expectations Regarding Marijuana-Related Businesses|id=FIN-2014-G001|date=February 14, 2014|publisher=US Department of the Treasury Financial Crimes Enforcement Network (FinCEN)|url=https://www.fincen.gov/resources/statutes-regulations/guidance/bsa-expectations-regarding-marijuana-related-businesses}}
External links- [https://dfi.wa.gov/banks/marijuana Marijuana in Washington State - Financial Services Issues], Washington State Department of Financial Institutions
- [https://lcb.wa.gov/taxreporting/marijuana-tax-reporting-guide Marijuana Tax Reporting Guide], Washington State Liquor and Cannabis Board, 2016
- [https://www.salalcu.org/business/cannabis-industry/ Cannabis industry], Salal Credit Union
- [https://www.fincen.gov/frequently-requested-foia-processed-records Marijuana banking updates] at FinCEN "Frequently Requested FOIA-Processed Records" site
3 : Banking in Washington (state)|Cannabis in Washington (state)|Cannabis finance |