Brad Garlinghouse, CEO of Ripple Labs since 2017.
The executive who led Ripple through years of regulatory battles and toward mainstream banking status.
He guided the company through the SEC's lawsuit (2020-2026), a national trust-bank charter application (2025), a Federal Reserve master-account application (2026), and new stablecoin-law alignment. He was personally named in the SEC suit, but the August 2024 final judgment only barred certain institutional sales and imposed no personal penalty.
His path shows crypto pushing to become part of the regulated banking system — and a headline enforcement case ending without individual punishment. The entry sticks to these facts.