Digital Assets

The business of banking is rapidly changing with the mass adoption of digital technologies. These innovations can provide convenience and accessibility, but also have the potential to bring risks. The OCC provides policy, guidance, advisories, and information about the use of digital assets in the federal banking system.

News Releases

NR 2022-125: Acting Comptroller Discusses Identifying Crypto Risks
NR 2022-106: Acting Comptroller Discusses Safeguarding Trust in Banking
NR 2022-60: Acting Comptroller Discusses Vulnerabilities, Volatility with Cryptocurrency
NR 2022-43: Acting Comptroller Issues Statement on Standards for Stablecoins
NR 2021-121: OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities and Authority of OCC to Charter National Trust Banks
NR 2021-120: Agencies Issue Joint Statement on Crypto-Asset Policy Initiative and Next Steps

Bulletins

OCC Bulletin 2021-56: Crypto-Assets: Joint Statement on Crypto-Asset Policy Sprint Initiative and Next Steps
OCC Bulletin 2020-59: National Bank and Federal Savings Association Digital Activities: Advance Notice of Proposed Rulemaking

Interpretive Letters

Interpretive Letter #1179: Chief Counsel’s Interpretation Clarifying: (1) Authority of a Bank to Engage in Certain Cryptocurrency Activities; and (2) Authority of the OCC to Charter a National Trust Bank
Interpretive Letter #1174: OCC Chief Counsel’s Interpretation on National Bank and Federal Savings Association Authority to Use Independent Node Verification Networks and Stablecoins for Payment Activities
Interpretive Letter #1172: OCC Chief Counsel’s Interpretation on National Bank and Federal Savings Association Authority to Hold Stablecoin Reserves
Interpretive Letter #1170: Authority of a National Bank to Provide Cryptocurrency Custody Services for Customers

Connect With Us

Email: Office of Innovation

Call us: (202) 649-5200

Related News and Issuances

Date	Title	Type
11/16/2022	Acting Comptroller of the Currency Discusses Regulatory Priorities	Testimony
11/15/2022	Acting Comptroller of the Currency Testifies on Regulatory Priorities	Testimony
10/11/2022	Acting Comptroller Discusses Crypto and the Regulatory Perimeter	Speech
10/03/2022	Acting Comptroller of the Currency Issues Statement on FSOC’s Report on Digital Asset Financial Stability Risks and Regulation	Speech
05/24/2022	Acting Comptroller Discusses Vulnerabilities, Volatility with Cryptocurrency	Speech
01/13/2022	Acting Comptroller Discusses Crypto-Assets and Regulation	Speech
09/21/2021	Acting Comptroller Discusses Innovation in Digital Assets	Speech
08/03/2021	Acting Comptroller of the Currency Testifies on Regulatory Priorities	Testimony
05/19/2021	Acting Comptroller of the Currency Testifies on the Condition of the Federal Banking System	Testimony