Office of the Comptroller of the Currency
The Office of the Comptroller of the Currency finalized the GENIUS Act stable‑coin rule on 2026‑10‑21, removing the 50 % daily liquidity cap, dropping the 0.5 % insured‑deposit requirement, and eliminating the requirement that reserves be held with community banks. The rule keeps full reserve backing, lowers the minimum available liquidity from 10 % to 5 %, allows partial rewards tied to other reasons, and becomes effective 2027‑01‑18. On 2026‑10‑26 the OCC approved Ripple’s ultimate national trust bank charter, permitting Ripple to bring RLUSD under federal oversight; Ripple’s structure places reserve management and custody under federal supervision while issuance remains with its New York‑regulated entity. Office of the Comptroller of the Currency approves Ripple National Trust Bank The OCC conditionally approved the charter of Ripple National Trust Bank in December 2025. The OCC granted final approval for Ripple National Trust Bank on October 26, 2026. The OCC conditionally approved Circle's bank charter in December 2025 alongside Ripple National Trust Bank. The OCC conditionally approved Paxos' bank charter in December 2025 alongside Ripple National Trust Bank. The OCC conditionally approved Fidelity Digital Assets' bank charter in December 2025 alongside Ripple National Trust Bank. The OCC conditionally approved BitGo's bank charter in December 2025 alongside Ripple National Trust Bank. The Digital Chamber urged the OCC to defend the charter approvals for crypto firms. The Office of the Comptroller of the Currency issued its first final rule under the GENIUS Act The OCC approved the Ripple National Trust Bank yesterday The Office of the Comptroller of the Currency approves Ripple National Trust Bank Brad Garlinghouse welcomed the approval from the United States Office of the Comptroller of the Currency· Entity summary generated by Graphiti
Relation timeline
BY VALID-FROM DATE- Office of the Comptroller of the CurrencyENFORCESGENIUS Act
The Office of the Comptroller of the Currency enforces the GENIUS Act, whose final rule takes effect on 2027‑01‑18.
- Brad GarlinghouseWELCOMED APPROVAL FROMOffice of the Comptroller of the Currency
Brad Garlinghouse welcomed the approval from the United States Office of the Comptroller of the Currency
- Office of the Comptroller of the CurrencyAPPROVESFXRP
The Office of the Comptroller of the Currency approves Ripple National Trust Bank
- Office of the Comptroller of the CurrencyAPPROVEDstablecoin USDT
The OCC approved the Ripple National Trust Bank yesterday
- Office of the Comptroller of the CurrencyISSUED RULE UnderGENIUS Act
The Office of the Comptroller of the Currency issued its first final rule under the GENIUS Act
- Digital ChamberURGEDOffice of the Comptroller of the Currency
The Digital Chamber urged the OCC to defend the charter approvals for crypto firms.
- Office of the Comptroller of the CurrencyAPPROVEDnational trust bank
Office of the Comptroller of the Currency approves Ripple National Trust Bank
- RLUSDUNDER FEDERAL OVERSIGHT BYOffice of the Comptroller of the Currency
RLUSD is brought under federal oversight by the Office of the Comptroller of the Currency
- RippleRECEIVED FINAL APPROVAL FROMOffice of the Comptroller of the Currency
Ripple received final approval from the Office of the Comptroller of the Currency to launch a national trust bank
- Office of the Comptroller of the CurrencyINFORMEDCoinDesk
An OCC spokesperson informed CoinDesk about the trust charter approvals for crypto firms
- Senator Elizabeth WarrenASKEDOffice of the Comptroller of the Currency
Senator Elizabeth Warren asked the Office of the Comptroller of the Currency to explain its chartering of nine crypto-focused institutions
- Office of the Comptroller of the CurrencyENCOURAGES APPLICATION UNDERGENIUS Act
Office of the Comptroller of the Currency encourages community banks to apply for stablecoin issuance under the GENIUS Act
- Office of the Comptroller of the CurrencyENFORCES REGULATION OFGENIUS Act
Office of the Comptroller of the Currency enforces the GENIUS Act regulations for stablecoin issuers
- Independent Community Bankers of AmericaSUEDOffice of the Comptroller of the Currency
Independent Community Bankers of America sued the Office of the Comptroller of the Currency
- Office of the Comptroller of the CurrencyFINAL APPROVEDnational trust bank
The OCC granted final approval for Ripple National Trust Bank on October 26, 2026.
- Office of the Comptroller of the CurrencyIS DISTINCT FROMTreasury foreign-stablecoin diligence proposal
Office of the Comptroller of the Currency is distinct from the Treasury foreign‑stablecoin diligence proposal
- Office of the Comptroller of the CurrencyRELEASESPaperwork Reduction Act
Office of the Comptroller of the Currency releases Paperwork Reduction Act notices
- Jonathan GouldREPRESENTSOffice of the Comptroller of the Currency
Comptroller Jonathan V. Gould represents the Office of the Comptroller of the Currency
- American Bankers AssociationRESPONDED TOOffice of the Comptroller of the Currency
American Bankers Association responded to the OCC's stablecoin final rule
- Office of the Comptroller of the CurrencyRELEASEDOffice of the Comptroller of the Currency
Office of the Comptroller of the Currency released its 721-page stablecoin final rule
- Office of the Comptroller of the CurrencyFINALIZES RULES FORGENIUS Act
The Office of the Comptroller of the Currency is finalizing rules for the GENIUS Act.
- American Bankers AssociationCRITICIZESOffice of the Comptroller of the Currency
American Bankers Association criticizes Office of the Comptroller of the Currency
- Blockchain AssociationAPPROVESOffice of the Comptroller of the Currency
Blockchain Association approved the change to yield prohibition by Office of the Comptroller of the Currency
- Office of the Comptroller of the CurrencyDECLINED TO WEIGH IN ONstablecoin rewards rule
Office of the Comptroller of the Currency DECLINED_TO_WEIGH_IN_ON stablecoin rewards rule
- Office of the Comptroller of the CurrencyIMPLEMENTSGENIUS Act
The OCC implemented rules governing payment stablecoins under the GENIUS Act
- Jonathan GouldDESCRIBEDOffice of the Comptroller of the Currency
Jonathan Gould described the OCC’s final rule as a "clear, practical framework for payment stablecoin innovation"
- Sen. Jon HustedCOMMENTED ONOffice of the Comptroller of the Currency
Crypto in America noted that the OCC’s final rule drops the presumption of violation for third‑party rewards.
- Office of the Comptroller of the CurrencyIMPLEMENTS RULE FORGENIUS Act
Office of the Comptroller of the Currency finalized its rule implementing the GENIUS Act
- Office of the Comptroller of the CurrencyEXCLUDESBank Secrecy Act
Office of the Comptroller of the Currency excludes the Bank Secrecy Act from its stablecoin rule
- Office of the Comptroller of the CurrencyIS FIRST TO ISSUE RULE FORGuiding and Establishing National Innovation for US Stablecoins Act
Office of the Comptroller of the Currency is first to issue rule for Generalized Identifying Navigation of U.S. Stablecoins Act
- Scott BessentCOMMENTED ONOffice of the Comptroller of the Currency
Scott Bessent commented on Office of the Comptroller of the Currency
- Office of the Comptroller of the CurrencyIS A REGULATOR FORGuiding and Establishing National Innovation for US Stablecoins Act
Office of the Comptroller of the Currency is a regulator for Generalized Identifying Navigation of U.S. Stablecoins Act
- Office of the Comptroller of the CurrencyOPERATES WITHINTreasury Department
Office of the Comptroller of the Currency operates within U.S. Treasury Department
- Office of the Comptroller of the CurrencyISSUEDGENIUS Act
Office of the Comptroller of the Currency issued the final GENIUS Act rule on October 21, 2026
- Office of the Comptroller of the CurrencyCOMPLIES WITHBank Secrecy Act
Office of the Comptroller of the Currency will address Bank Secrecy Act requirements in a separate rulemaking
- Office of the Comptroller of the CurrencyREQUIRES APPROVAL FROMOffice of Management and Budget
The Office of the Comptroller of the Currency requires approval from the Office of Management and Budget to open its application intake, a requirement that remained pending as of 2026‑10‑21.
- Office of the Comptroller of the CurrencyISSUES GUIDANCE ONGENIUS Act
The Office of the Comptroller of the Currency issued waiver guidance on the GENIUS Act on 2026‑10‑21.
- Jonathan GouldWORKS FOROffice of the Comptroller of the Currency
Jonathan Gould works for the Office of the Comptroller of the Currency
- DeepSeek-AIUSED BYOffice of the Comptroller of the Currency
DeepSeek AI model USED_BY Snowflake
- GENIUS ActREQUIRES RULES FROMOffice of the Comptroller of the Currency
The GENIUS Act requires rules from the Office of the Comptroller of the Currency
Relations are facts Graphiti extracted from reports, not verbatim quotes. An end date means later reporting showed the relation no longer holds.
Events 12
- Circle wants SEC to erase a costly Wall Street rule holding stablecoins back1 cited report · 2026-10-30
- Ripple CEO Addresses the One Rumor XRP Holders Kept Asking About1 cited report · 2026-10-29
- U.S. Treasury Says U.S. ‘Will Win in the Digital Asset Stack’ as Clarity Act Stalls1 cited report · 2026-10-28
- Moody's Rates Ripple's $2.6B RLUSD Stablecoin A2, a Day After OCC Bank Approval2 cited reports · 2026-10-28
- Ripple gets final US trust bank approval. What does XRP gain?5 cited reports · 2026-10-28
- USDC overtakes USDT in euro stablecoin trading as EU rules reshape market: Kaiko1 cited report · 2026-10-27
- US OCC calls on community banks to become payment stablecoin issuers1 cited report · 2026-10-27
- OCC calls on community banks to enter the stablecoin payments market9 cited reports · 2026-10-26
- US quietly eases stablecoin reserve rules as banks warn billions could shift away from lending1 cited report · 2026-10-22
- American Bankers Association accuses OCC of undermining Congress with final stablecoin rewards rule1 cited report · 2026-10-22
- Treasury Secretary Bessent likens GENIUS Act to Lincoln-era banking reform1 cited report · 2026-10-22
- US bans China's DeepSeek from government in race for AI dominance1 cited report · 2026-10-20
Source reports 30
- Crypto Biz: Bitcoin’s quantum threat is becoming an economic problemCointelegraph · 2026-10-31
- Circle wants SEC to erase a costly Wall Street rule holding stablecoins backCryptoSlate · 2026-10-30
- Ripple CEO Addresses the One Rumor XRP Holders Kept Asking AboutBeInCrypto · 2026-10-29
- Ripple is heading for its best year ever while XRP faces its worst since 2022CryptoSlate · 2026-10-29
- U.S. Treasury Says U.S. ‘Will Win in the Digital Asset Stack’ as Clarity Act StallsBitcoin Magazine · 2026-10-28
- Moody's Rates Ripple's $2.6B RLUSD Stablecoin A2, a Day After OCC Bank ApprovalDecrypt · 2026-10-28
- Morning Minute: Robinhood Misses, But Crypto Beats and Robinhood Chain SoarsDecrypt · 2026-10-28
- Ripple gets final US trust bank approval. What does XRP gain?CryptoSlate · 2026-10-28
- Robinhood taps Ripple’s $2.5 billion RLUSD stablecoin despite backing rival USDGCoinDesk · 2026-10-28
- USDC overtakes USDT in euro stablecoin trading as EU rules reshape market: KaikoCointelegraph · 2026-10-27
- Ripple Wins Final OCC Approval for Trust Bank Behind $2.6B RLUSD StablecoinDecrypt · 2026-10-27
- Who Gains From Ripple’s New Bank Charter? XRP Holders May Be Last in LineBeInCrypto · 2026-10-27
- Ripple gets a final go-ahead to launch its own U.S. national trust bankCoinDesk · 2026-10-27
- Ripple gains final OCC approval to launch national trust bank and bring RLUSD under federal oversightThe Block · 2026-10-27
- US OCC calls on community banks to become payment stablecoin issuersCointelegraph · 2026-10-27
- OCC calls on community banks to enter the stablecoin payments marketCoinDesk · 2026-10-26
- New OCC stablecoin rule resets redemptions, and banks face big shiftsCryptoSlate · 2026-10-24
- OCC drops proposed affiliate rewards presumption, but stablecoin yield ban staysCryptoSlate · 2026-10-23
- US quietly eases stablecoin reserve rules as banks warn billions could shift away from lendingCryptoSlate · 2026-10-22
- OCC waiver rule puts active stablecoin issuers on noticeCryptoSlate · 2026-10-22
- Circle CEO Shrugs Off Bitcoin's Slump and Pitches Digital Dollars for the AI EraBeInCrypto · 2026-10-22
- American Bankers Association: OCC’s GENIUS rules ‘undermine’ US CongressCointelegraph · 2026-10-22
- American Bankers Association accuses OCC of undermining Congress with final stablecoin rewards ruleThe Block · 2026-10-22
- Treasury Secretary Bessent likens GENIUS Act to Lincoln-era banking reformCointelegraph · 2026-10-22
- OCC Finalizes GENIUS Act Stablecoin Rules, Leaves Rewards Fight OpenBitcoin Magazine · 2026-10-21
- OCC finalizes GENIUS Act rules for stablecoin issuers and custodyCointelegraph · 2026-10-21
- OCC Finalizes GENIUS Act Stablecoin Rules Ahead of January DeadlineDecrypt · 2026-10-21
- OCC's final rule to start fresh in weighing stablecoin rewards against GENIUS Act banCoinDesk · 2026-10-21
- US bans China's DeepSeek from government in race for AI dominanceBBC Business · 2026-10-20
- Ex-Trump crypto adviser profited after helping pass stablecoin bill: WSJCointelegraph · 2026-10-16