OCCが2025年12月にRippleやCircleなどの暗号資産企業に対し全国信託銀行チャーターの条件付き承認を与えたこと—これが強い批判を呼んだ—に続き、米国最大手の銀行の一部が、暗号資産およびフィンテックチャーターに関する規則のさらなる緩和をめぐり規制当局に対する法的措置を検討している。Bank Policy Instituteは、これらの変更がトランプ政権の暗号通貨を主流金融に統合する動きの中で、消費者と金融システムを危険にさらす可能性があると主張している。
Bank Policy Institute（BPI）は、JP Morgan、Goldman Sachs、Citigroupを含む40の主要米融資機関を代表して、Office of the Comptroller of the Currency（OCC）を提訴することを検討している。この動きは、OCCが連邦ライセンス規則を再解釈し、暗号資産、決済、フィンテック企業に対する全国銀行信託チャーター—全50州での運営を可能にする—へのアクセスを簡素化したことに続くものである。
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Chicago-based crypto infrastructure provider Zerohash filed for a national trust bank charter from the Office of the Comptroller of the Currency on March 4, 2026, becoming the eleventh company to do so in 83 days. The move, amid a wave of similar applications from firms like Circle, Ripple, and Coinbase, aims to enable nationwide custody of digital assets, fiat, staking, and stablecoin services, bypassing state licenses.
Following December 2025 charter approvals for crypto firms, the OCC has closed comments on proposed rules clarifying national trust bank activities, while the CFTC issued guidance allowing stablecoins as margin collateral. Banking groups continue criticizing the charters as regulatory arbitrage and 'Franken-charters,' urging safeguards.
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The Office of the Comptroller of the Currency (OCC) has finalized a rule broadening national trust bank activities beyond fiduciary roles, enabling fintech and cryptocurrency firms to offer custody services without full banking licenses. This follows December 2025 charter approvals and recent closure of the comment period, despite strong opposition from state regulators.
Citigroup plans to launch institutional bitcoin custody later this year, integrating it into traditional banking frameworks. Morgan Stanley has applied for a national trust charter to support crypto trading for its clients and is advancing spot trading on E*TRADE. These moves reflect growing institutional demand for digital assets within regulated systems.
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U.S. President Donald Trump criticized banks in a Truth Social post for undermining the GENIUS Act and holding the Clarity Act hostage over stablecoin yield issues. He called for swift congressional action to advance crypto market structure legislation. The dispute has stalled negotiations between banking and crypto sectors.