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Following美国独立社区银行家协会起诉货币监理署，质疑加密货币公司获取信托银行牌照的合规性
美国独立社区银行家协会（ICBA）已对货币监理署（OCC）提起诉讼，挑战允许Circle、Ripple、BitGo和Paxos等专注于加密货币的企业获得国民信托银行牌照的规则。此举正值上述几家企业刚刚获得其联邦监管信托银行牌照的最终批准之际，这一事件可能对越来越多寻求类似牌照的数字资产实体产生更广泛的影响。
争议焦点：被视为“侧门”的监管规则
根据ICBA发布的新闻稿，此次争端的核心在于OCC于2026年3月发布的最终规则。该规则澄清了仅限于信托公司业务的国民银行也可开展相关的非受托活动。当时监管机构指出，该规则既未扩大也未缩小其现有的特许权授予权限。
ICBA主席兼首席执行官Rebeca Romero Rainey表示，该组织对此持强烈反对意见，并认为国会从未意图让国民信托牌照成为一家“侧门”，使得加密货币公司能够借此获得联邦银行牌照的信誉背书，同时规避诸如FDIC保险、《社区再投资法》义务以及适用于有保险存款机构的资本和流动性框架等要求。
该诉讼请求美国哥伦比亚特区联邦地区法院裁定OCC的最终规则及相关解释信N1176违法。
加密货币企业深入银行业务
Just a few months ago, the cryptocurrency industry experienced a number of major developments. According to reports, Circle recently received final authorization from the OCC to establish First National Digital Currency Bank,., The company will operate as Circle National Trust. This development allows USDC issuers to provide fiduciary cryptocurrency custody services to themselves and their affiliates, and may eventually place part of their stablecoin reserve management directly under OCC supervision.
However, the current escalation of the situation is not limited to Circle. Ripple has previously received approval to establish Ripple National Trust Bank. Other companies focused on cryptocurrencies, including BitGo and Paxos, have also participated in the OCC's recent trust bank approval process.
ICBA's lawsuit argues that the OCC may be providing a way for digital asset companies to gain the credibility and benefits of federal banking supervision without being subject to the same regulation as traditional methods, rather than simply getting a green light for a cryptocurrency company.
