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Major U.S. Banks May Sue OCC Over Crypto Trust Charters
The Bank Policy Institute (BPI), backed by JPMorgan, Goldman Sachs, and Citigroup, is considering legal action against the OCC for granting national trust bank charters to crypto firms.
The OCC approved charters for Ripple, Circle, BitGo, Paxos, Fidelity Digital Assets, CryptoCom, and Bridge since December 2025.
Banks argue crypto firms get federal banking access with lighter oversight. Crypto supporters call it fear of competition.
If this lawsuit moves forward, it could reshape how crypto companies access the U.S. banking system.
Banks call it risk. Crypto calls it competition.