OCC 12 CFR 5.20 Amendment (April 1, 2026)
legislationMoney & Finance · Crypto & Digital ID
A single rule tweak on April Fools' Day 2026 unlocked enterprise-scale stablecoin banking.
Who they are
An OCC regulatory amendment to 12 CFR 5[1].20, effective April 1, 2026.
What they do
It deleted old ambiguous wording about 'fiduciary activities' and explicitly allowed national trust banks to offer non-fiduciary custody accounts.
How it works
By clearing that legal language, it activated Ripple National Trust Bank (chartered December 2025) and supplied the exact legal mechanism for large-scale stablecoin custody.
Why it matters
It's the fine-print rule change that made big-money stablecoin operations legally possible inside the banking system.
The engine's record — word for word
OCC regulatory amendment removing prior textual ambiguities around "fiduciary activities," explicitly permitting national trust banks to offer non-fiduciary custody accounts. Operationalizes Ripple National Trust Bank chartered Dec 2025; precise legal mechanism for enterprise-scale stablecoin custody.
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