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 5.20, 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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