# Сопутствующие статьи по теме OCC

Новостной центр HTX предлагает последние статьи и углубленный анализ по "OCC", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

Stablecoin Rules Face 144 Questions In New FDIC Proposal

The FDIC has proposed a new regulatory framework for stablecoin issuers, giving the public 60 days to respond to its 144 specific questions. The rules would set standards for reserves, redemptions, capital, and risk management for over 2,700 FDIC-supervised institutions, implementing the GENIUS Act signed in July 2025. A key point is that while the reserves backing stablecoins would be insured, the stablecoin holders themselves would not be covered by federal deposit insurance, as explicitly barred by the law. The FDIC argues the rules will still benefit users by ensuring issuers meet stricter standards. This proposal is part of a broader regulatory effort, with the OCC running a parallel process for other institutions.

bitcoinist04/09 05:01

Stablecoin Rules Face 144 Questions In New FDIC Proposal

bitcoinist04/09 05:01

Coinbase Secures Conditional OCC Approval For National Trust Charter – Details

Coinbase, the largest US crypto exchange, has received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish Coinbase National Trust Company. This marks a significant step toward becoming a federally regulated crypto custodian. The company clarified that this charter does not make it a commercial bank, and it will not take retail deposits or engage in fractional reserve banking. Instead, it aims to bring federal regulatory uniformity to its custody and market infrastructure business. This approval validates Coinbase's regulatory approach and allows it to expand its reach and conduct new business. It also signals a shift in the federal regulatory framework to align with the evolving crypto landscape. However, the move faces opposition from US banks and lawmakers, including the American Bankers Association and Senator Elizabeth Warren, who have raised concerns about regulatory arbitrage and called for delays until clearer rules are established. Coinbase joins other firms like Ripple, Circle, and Fidelity that have also received similar OCC approvals.

bitcoinist04/03 10:31

Coinbase Secures Conditional OCC Approval For National Trust Charter – Details

bitcoinist04/03 10:31

Coinbase wins conditional OCC approval as crypto moves deeper into U.S. banking system

Coinbase has received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish a national trust company, advancing the integration of crypto custody and infrastructure into the U.S. federal regulatory system. Announced on April 2, this approval marks a shift from state-level oversight toward a unified federal framework. The trust charter does not grant banking privileges—such as deposit-taking or lending—but focuses on custody and market infrastructure services. This move enables Coinbase to expand its institutional offerings while operating under consistent federal supervision. The approval remains conditional, requiring Coinbase to meet ongoing regulatory standards before full operation. This development reflects a broader trend of aligning digital asset services with traditional financial oversight.

ambcrypto04/02 21:02

Coinbase wins conditional OCC approval as crypto moves deeper into U.S. banking system

ambcrypto04/02 21:02

US Treasury Starts GENIUS Act Rollout With Notice Of Proposed Rulemaking

The US Treasury has published a Notice of Proposed Rulemaking (NPRM) to begin implementing the GENIUS Act, a federal law governing payment stablecoins. The 87-page proposal outlines how federal and state regulatory frameworks will interact, allowing states to adopt "substantially similar" rules with some discretion. The NPRM references the OCC’s flexible approach to regulating stablecoin issuers and sets a transition timeline: once the law takes effect, only authorized issuers can operate, and by July 2028, unlicensed stablecoin sales will be illegal. The proposal also preserves a state-option pathway for smaller issuers with under $10 billion in issuance, provided states certify regulatory alignment. Treasury is soliciting public feedback on the proposed rules.

bitcoinist04/02 13:01

US Treasury Starts GENIUS Act Rollout With Notice Of Proposed Rulemaking

bitcoinist04/02 13:01

Treasury moves to lock in stablecoin rules with state–federal hybrid framework

The U.S. Treasury has proposed a hybrid state–federal regulatory framework for stablecoin issuers under the GENIUS Act. Issuers with less than $10 billion in outstanding supply may operate under state-level supervision if state regimes are "substantially similar" to federal standards, which set strict requirements for reserve backing, anti-money laundering, and consumer protection. Once an issuer exceeds $10 billion, it must transition to federal oversight under the Office of the Comptroller of the Currency. The proposal aims to prevent regulatory arbitrage by ensuring state rules meet or exceed federal safeguards, treating stablecoins more like traditional financial instruments with bank-like oversight.

ambcrypto04/01 19:02

Treasury moves to lock in stablecoin rules with state–federal hybrid framework

ambcrypto04/01 19:02

US Banking Regulator Chief Gould: Opening Doors to Crypto, Also Drawing Fire

Jonathan V. Gould, the head of the U.S. Office of the Comptroller of the Currency (OCC), is driving a significant shift in banking regulation by advocating for the integration of cryptocurrency and digital asset activities into the federally supervised banking system. With a background spanning Congress, financial consulting, and crypto industry roles—including a stint as chief legal officer at Bitfury—Gould believes that banks should not exclude new technologies but instead manage risks through clear, legally grounded, and technologically neutral supervision. Under his leadership, the OCC has issued interpretive letters allowing national banks to engage in certain crypto activities like digital asset custody, stablecoin services, and distributed ledger participation. Gould has also overseen conditional approvals for crypto firms such as Circle and Ripple to become national trust banks, bringing them under federal oversight. His approach emphasizes that digital assets should be regulated within the banking system to ensure safety, transparency, and compliance—not in a regulatory vacuum. However, Gould faces criticism from both traditional banking groups, who fear regulatory arbitrage and increased systemic risk, and Democratic lawmakers like Elizabeth Warren, who question potential conflicts of interest and the independence of the licensing process. Despite the pushback, Gould maintains that his strategy is about modernizing regulation—not eliminating risks, but managing them within a structured framework. His actions position him as a central figure in shaping how the U.S. financial system adapts to technological innovation.

marsbit03/26 08:23

US Banking Regulator Chief Gould: Opening Doors to Crypto, Also Drawing Fire

marsbit03/26 08:23

US Banking Lobby Considers Lawsuit Over OCC Crypto Charters

A US banking lobby group, the Bank Policy Institute (BPI), is considering legal action against the Office of the Comptroller of the Currency (OCC) for granting national trust bank charters to cryptocurrency companies like Ripple, BitGo, and Paxos. The BPI argues that these charters, which allow crypto firms to operate as trust banks and provide custody services, could pose risks to Americans and the financial system. They claim this move blurs the definition of a "bank," increases systemic risk, and undermines the credibility of national banking charters. The BPI had previously urged the OCC to reject such applications, and while no final decision on a lawsuit has been made, the group has a history of taking legal action against the agency. Similar concerns were echoed by the Independent Community Bankers of America.

TheNewsCrypto03/10 09:05

US Banking Lobby Considers Lawsuit Over OCC Crypto Charters

TheNewsCrypto03/10 09:05

Launching the License Defense Battle: US Banking Industry Plans to Sue OCC

U.S. banking industry groups, including the Bank Policy Institute (BPI) representing major banks like JPMorgan and Citigroup, are considering legal action against the Office of the Comptroller of the Currency (OCC) to halt the issuance of national trust bank charters to cryptocurrency and fintech firms. The conflict escalated after the OCC approved charters for five crypto-native companies, including Circle and Ripple, in December 2025, followed by 11 applications within 83 days. Opponents, such as the Conference of State Bank Supervisors (CSBS) and Independent Community Bankers of America (ICBA), argue the OCC is creating a "Frankenstein charter" that allows unfair competition with lower regulatory standards. The legal dispute centers on Interpretive Letter 1176 (2021), which expanded trust charter permissions without formal rulemaking under the Administrative Procedure Act (APA). OCC Acting Comptroller Jonathan Gould defends the move, stating stablecoin services fall within traditional trust activities. The broader conflict reflects a struggle over financial system access, with crypto firms seeking federal legitimacy and banks warning of regulatory arbitrage. Potential lawsuits could mark the most significant banking legal battle since 2020.

marsbit03/10 03:45

Launching the License Defense Battle: US Banking Industry Plans to Sue OCC

marsbit03/10 03:45

Big Banks Threaten To Sue OCC Over Crypto Rules, Citing Threats To Financial Stability

Major US banks, led by the Bank Policy Institute (BPI), are threatening to sue the Office of the Comptroller of the Currency (OCC) over its approval of federal trust charters for crypto firms. They argue that the OCC's streamlined licensing process, which has approved firms like Ripple, Circle, and Fidelity, releases these companies into the financial system without the stringent oversight applied to traditional banks. Banking groups warn this blurs the definition of a "bank," creates a regulatory loophole, and poses significant risks to financial stability, consumer protection, and competition. The opposition is also supported by state regulators and smaller banking groups.

bitcoinist03/09 19:34

Big Banks Threaten To Sue OCC Over Crypto Rules, Citing Threats To Financial Stability

bitcoinist03/09 19:34

‘Unlock for tokenization? ’- OCC clarifies capital rules for tokenized securities

U.S. banking regulators, including the OCC, Federal Reserve, and FDIC, have jointly clarified that tokenized securities will receive the same capital treatment as traditional securities, emphasizing a technology-neutral approach. This means tokenized stocks can serve as collateral if they meet bank criteria. Industry leaders hailed the move as a significant unlock for tokenization, laying groundwork for on-chain capital markets. Adoption has surged, with a 47% increase in holders to 184k in early 2026 and market cap exceeding $1 billion. However, aspects like settlement and custody rules remain unresolved, and tokenized securities remain a point of contention in broader crypto legislation.

ambcrypto03/06 19:01

‘Unlock for tokenization? ’- OCC clarifies capital rules for tokenized securities