 Virtual currency, or virtual money, is a type of unregulated, digital money, which is issued and usually controlled by its developers and used and accepted among members of a specific virtual community. The U.S. Commodity Futures Trading Commission has warned investors against pumped-and-dump schemes that use virtual currencies. The Financial Crimes Enforcement Network FinCent Bureau of the U.S. Treasury, defined virtual currency in its guidance published in 2013. In 2014, the Huracan Banking Authority defined virtual currency as a digital representation of value that is neither issued by a central bank or public authority, nor necessarily attached to a fiat currency, but is accepted by natural or legal persons as a means of payment and can be transferred, stored or traded electronically. By contrast, a digital currency that is issued by a central bank is defined as central bank digital currency. In 2012, the Huracan Central Bank defined virtual currency as a type of unregulated digital money, which is issued and usually controlled by its developers and used and accepted among members of a specific virtual community. In 2013, Financial Crimes Enforcement Network FinCent Bureau of the U.S. Treasury, in contrast to its regulations defining currency as the coin and paper money of the United States or of any other country that is designated as legal tender and that circulates and is customarily used and accepted as a medium of exchange in the country of issuance also called real currency by FinCent, defined virtual currency as a medium of exchange that operates like a currency in some environments, but does not have all the attributes of real currency. In particular, virtual currency does not have legal tender status in any jurisdiction. In 2014, the Huracan Banking Authority defined virtual currency as a digital representation of value that is neither issued by a central bank or public authority, nor necessarily attached to a fiat currency, but is accepted by natural or legal persons as a means of payment and can be transferred, stored or traded electronically.