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.
178signals tracked
27federal and state bodies
11document types
July 27, 2026last updated
Most active: OCC 45, SEC 34, CFTC 20, Federal Reserve 17, FDIC 10, FinCEN 9.
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Date
Agency
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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GENIUS Act Phase 2 implementation continues. The FDIC approves a second NPR (May 22, 2026) establishing BSA and sanctions compliance standards for FDIC-supervised permitted payment stablecoin issuers, pairing with the April reserve, redemption, capital, and custody NPR. FinCEN/OFAC and Treasury rules on AML/sanctions compliance and state-regime equivalence remain active.
Recent developments
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)
Minnesota becomes the fourth state — alongside New York, Wyoming, and Virginia — to grant state-chartered banks and credit unions statutory authority to custody virtual currency (HF 3709, effective August 1, 2026). At the federal level, Sen. Warren formally challenges nine OCC national trust charters granted to digital-asset firms, with a June 1 records deadline. OCC chartering rule, Coinbase National Trust conditional approval, and interagency tokenized-securities capital treatment remain in place.
Recent developments
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
FFIEC issues the first overhaul of the CAMELS rating system in 30 years (May 19, 2026; comments due August 17), shifting examiner emphasis from management process toward material financial risk. The SEC-CFTC MOU and Joint Harmonization Initiative continue to reshape ex-ante frameworks alongside revised interagency model risk management guidance.
Recent developments
FFIEC proposes first overhaul of CAMELS rating system in 30 years; comments due August 17, 2026 (May 2026)
A Trump Executive Order (May 19, 2026) directs the Fed and federal regulators to evaluate fintech and crypto access to Fed payment accounts on 90-, 120-, and 180-day timelines, and the Fed formally proposes "skinny" master accounts the next day with a 60-day comment period. SEC-CFTC joint framework continues to name 16 digital commodities, and CFTC litigation against Arizona, Connecticut, and Illinois reaffirms exclusive federal jurisdiction over event contracts.
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. 159 records
are Direct and 19 are Adjacent.
Document types are recorded as the issuing body labels them, then grouped into 11 families
for filtering. 22 records carry a label that falls outside those families and are reachable
through search rather than the type filter.
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