Every federal and state action on digital assets in banking that we have tracked, in one filterable table. Galoy reports what regulators published and when. We do not interpret the record for you or recommend a course of action.
215signals tracked
27federal and state bodies
11document types
September 17, 2026last updated
Most active: OCC 57, SEC 41, CFTC 22, Federal Reserve 18, FDIC 14, FinCEN 11.
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Date
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Signal
Type
Relevance
Five themes
Groupings we maintain across the archive. Counts are the signals whose titles
match the theme's keywords, and clicking one filters the table above.
Stablecoin Framework
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The Senate rejected cloture on the CLARITY Act 49-50 on September 15, 2026, two days after the bill's final text added a Treasury "circuit breaker" on stablecoin rewards tied to community bank deposit outflows; the White House Council of Economic Advisers published an FAQ and interactive model on stablecoin yield and bank lending the same day. FDIC Chairman Hill said on September 9 that the FDIC will finalize its GENIUS Act issuer rule by year-end, after the OCC's November rule. The OCC released its approval of SoFi Bank's stablecoin-issuing subsidiary (September 3) and granted OpenReserve Bank preliminary conditional approval for a full national charter with a stablecoin subsidiary and tokenized deposits in its plan (September 2). Comments on Treasury's issuance, offer and sale rule close October 19.
Recent developments
Senate rejects cloture on the CLARITY Act 49-50; its bank permissibility and stablecoin-yield provisions fall with it (September 15, 2026)
White House Council of Economic Advisers publishes FAQ and interactive model on stablecoin yield and bank lending (September 15, 2026)
Final CLARITY Act text adds a Treasury circuit breaker on stablecoin rewards tied to community bank deposit outflows (September 13, 2026)
FDIC Chairman Hill: FDIC on track to finalize its GENIUS Act issuer rule by year-end, after the OCC's rule (September 9, 2026)
Block applies for a national trust charter that includes stablecoin settlement (September 8, 2026)
OCC grants OpenReserve Bank preliminary conditional approval for a full national charter with a stablecoin subsidiary and tokenized deposits (September 2, 2026)
Zerohash refiles its national trust charter application without stablecoin management services (August 18, 2026)
Comment period closes on the joint FinCEN, OCC, Federal Reserve, FDIC, and NCUA customer identification program proposal for stablecoin issuers (August 21, 2026)
Comptroller Gould commits the OCC to a final GENIUS Act stablecoin rule by November and issuer application processing in early 2027 (August 19, 2026)
Treasury proposes GENIUS Act rule on payment stablecoin issuance, offer, and sale; comments due October 19 (August 18, 2026)
OCC grants World Liberty Trust Company preliminary conditional approval to issue and custody USD1 (August 14, 2026)
Comment period closes on FDIC BSA and sanctions compliance standards for permitted payment stablecoin issuers (August 4, 2026)
FDIC approves NPR on BSA and sanctions compliance standards for FDIC-supervised PPSIs; 60-day comment period (May 22, 2026)
FinCEN/OFAC joint NPRM on PPSI AML/CFT and sanctions compliance; comments due June 9, 2026 (April 2026)
The OCC granted two full national bank charters on September 2, 2026: OpenReserve Bank (Corporate Decision #1389), with a $210 million capital condition, tokenized deposits and a planned stablecoin subsidiary, and Revolut Bank US (Corporate Decision #1390), with four product lines held for separate supervisory non-objection. Block applied on September 8 to charter Builders Bank & Trust, an uninsured national trust bank for Bitcoin custody, riskless-principal execution and stablecoin settlement, and Zerohash refiled its returned application on August 18. SEC Chair Atkins said on September 14 that a forthcoming custody proposal would let advisers use state trust companies as digital asset custodians; the SEC's September 1 transfer-agent proposal would permit a blockchain to serve as the official record of securities ownership, and its September 17 innovation exemption opens tokenized NMS stock trading venues.
Recent developments
SEC issues a five-year conditional innovation exemption for tokenized securities venues and requests comment (September 17, 2026)
SEC Chair Atkins: custody proposal would let advisers use state trust companies as digital asset custodians and self-custody under conditions (September 14, 2026)
Block applies to charter Builders Bank & Trust, N.A., an uninsured national trust bank for Bitcoin custody and stablecoin settlement (September 8, 2026)
OCC grants OpenReserve Bank preliminary conditional approval for a full national charter; $210 million capital, 12% leverage ratio (Corporate Decision #1389) (September 2, 2026)
OCC grants Revolut Bank US preliminary conditional approval with four product lines gated behind separate non-objection (Corporate Decision #1390) (September 2, 2026)
SEC proposes transfer agent rules permitting a blockchain as the official securityholder record; comments due November 3 (September 1, 2026)
Zerohash refiles its national trust bank charter application after the July return (August 18, 2026)
FDIC approves deposit insurance for Augustus National Bank, N.A., an OCC-chartered de novo serving digital asset companies (July 31, 2026)
SEC sends an investment adviser and investment company crypto asset custody rule to OMB for review; proposal expected in October (August 25, 2026)
Dallas Fed research estimates tokenized deposits could reduce bank capacity for long-term lending by roughly $700 billion (August 25, 2026)
OCC grants World Liberty Trust Company preliminary conditional approval for a national trust charter (Corporate Decision #1385) (August 14, 2026)
OCC commends FDIC de novo reform and restates the digital-asset path to a national bank charter (NR 2026-67) (August 11, 2026)
FDIC adopts two-phase deposit insurance application process with contingent approval within 120 days (August 10, 2026)
Dakota files de novo national trust bank charter application for digital asset custody and stablecoin issuance (August 3, 2026)
OCC returns Zerohash's national trust bank charter application as materially deficient (July 17, 2026)
United Texas Bank completes OCC conversion to national charter for digital-asset correspondent banking, custody, and stablecoin infrastructure (May 27, 2026)
Mastercard receives NY DFS BitLicense for stablecoin and tokenized-deposit infrastructure (May 27, 2026)
Minnesota HF 3709 signed — banks and credit unions may custody virtual currency; effective August 1, 2026 (May 2026)
Sen. Warren letter challenges nine OCC national trust charters granted to digital-asset firms; June 1 records deadline (May 2026)
OCC national bank chartering final rule takes effect - expanded trust company activities (April 2026)
OCC conditionally approves Coinbase National Trust Company charter (April 2026)
Interagency guidance: tokenized securities get same capital treatment as non-tokenized (March 2026)
Zerohash files for OCC national trust bank charter - 11th applicant in 83 days (March 2026)
OCC and FDIC finalize a joint rule prohibiting reputation risk from examinations, barring agencies from pressuring institutions to close accounts based on political views, protected speech, or lawful but disfavored business activities. Codification of the debanking reversal is now complete across the federal banking agencies.
Recent developments
OCC and FDIC issue joint final rule prohibiting reputation risk in examinations (April 2026)
Federal Reserve proposes rule to eliminate reputation risk in bank exams (February 2026)
OCC ceased examinations for reputation risk (March 2025)
OCC preliminary findings on large bank debanking (December 2025)
Proposed rule prohibiting reputation risk by regulators (October 2025)
FDIC released 175 "pause letter" documents (February 2025)
OCC licensing consideration for politicized debanking (September 2025)
Where banks are affected
Banking services for digital asset businesses
Fintech partnership expansion
Reduced compliance friction for digital asset clients
The OCC and FDIC finalized a rule on August 27, 2026 that defines "unsafe or unsound practice" in regulation for the first time and raises the bar for Matters Requiring Attention, effective November 2. On September 11 the Fed, FDIC, OCC and NCUA proposed principles-based third-party risk management guidance to replace the 2023 interagency guidance, with a companion statement on community banks' relationships with core service providers; comments close November 16. The comment period on the FFIEC's CAMELS overhaul closed August 17.
Recent developments
Fed, FDIC, OCC and NCUA propose principles-based third-party risk management guidance and a statement on core service providers; comments due November 16 (September 11, 2026)
OCC and FDIC finalize rule defining "unsafe or unsound practice" and raising the bar for MRAs, effective November 2 (August 27, 2026)
Comment period closes on FFIEC's proposed overhaul of the CAMELS rating system (August 17, 2026)
FFIEC proposes first overhaul of CAMELS rating system in 30 years; comments due August 17, 2026 (May 2026)
Digital asset product development under clearer frameworks
Up to 4-year startup exemption for token issuers
enforcementinvestigationWells Noticetask forcedismissalProject CryptoAMLMOUharmonizationmodel riskCAMELSsupervisionunsafe or unsoundcore service
Trading Infrastructure
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The Senate rejected cloture on the CLARITY Act 49-50 on September 15, 2026, leaving digital asset market structure to agency rulemaking; SEC Chair Atkins and CFTC Chairman Selig said their rules proceed without it. The SEC issued a five-year conditional innovation exemption for tokenized securities venues on September 17 and requested comment. Comments on Regulation Crypto Assets close October 20. The CFTC moved on September 2 to dismiss CME's challenge to Kalshi's Bitcoin perpetual futures. The Fed's "skinny" master account proposal remains active on payment-rail access.
Recent developments
SEC issues a five-year conditional innovation exemption for tokenized securities venues trading tokenized NMS stock (September 17, 2026)
Senate rejects cloture on the CLARITY Act 49-50, stalling market structure legislation (September 15, 2026)
Lummis, Boozman and Scott release final CLARITY Act text with 126 changes requested by Democrats (September 13, 2026)
Block's trust charter application includes riskless-principal execution of customer orders (September 8, 2026)
CFTC moves to dismiss CME's suit over approval of Kalshi's Bitcoin perpetual futures; CME opposition due October 2 (September 2, 2026)
CFTC Chairman Selig directs staff to draft a crypto asset market structure regime under existing authorities if CLARITY stalls (August 20, 2026)
SEC proposes Regulation Crypto Assets by 3-1 written vote; startup and fundraising exemptions, comments due October 20 (August 18, 2026)
SEC cancels the August 14 open meeting on Regulation Crypto Assets without setting a new date (August 13, 2026)
Thune files cloture on the motion to proceed to the CLARITY Act, setting a September 15 procedural vote (August 8, 2026)
SEC grants CME's petition for review of Nasdaq PHLX Bitcoin index options approval and continues the stay (August 3, 2026)
Each record is a single published action: an interpretive letter, a proposed or final rule,
an enforcement matter, a piece of legislation, a speech, an approval. The date is the
publication date given by the issuing body. Where an action carries a document number —
an OCC interpretive letter number, a Federal Register citation, an FDIC FIL — that number
is recorded with it, and every row links to the primary source or to contemporaneous reporting
where no primary document is public.
Relevance is marked Direct where the action addresses digital assets in banking, and
Adjacent where it governs adjacent activity that reaches the same institutions. 189 records
are Direct and 26 are Adjacent.
Document types are recorded as the issuing body labels them, then grouped into 11 families
for filtering. 24 records carry a label that falls outside those families and are reachable
through search rather than the type filter.
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