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  "domain": "fintech",
  "title": "OCC National Trust Bank Charters for Digital-Asset Firms · 2025–2026 Verified Update",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "OCC National Trust Bank Charters for Digital-Asset Firms · 2025–2026 Verified Update",
    "aliases": [
      "occ-crypto-charter-2025",
      "occ-il-1183",
      "anchorage-digital-bank-charter",
      "custodia-occ-vs-wyoming-spdi",
      "bitwise-circle-occ-application",
      "state-chartered-trust-arbitrage",
      "occ-crypto-custody-clarification",
      "federal-vs-state-crypto-bank"
    ],
    "domain": "fintech",
    "type": null,
    "created": "2026-05-25",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-25",
    "confidence": "certain",
    "tags": [
      "fintech",
      "regulatory",
      "usa",
      "2025-reset",
      "occ",
      "bank-charter",
      "anchorage",
      "custodia",
      "circle",
      "bitwise",
      "spdi"
    ],
    "status": "active",
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    "note": null,
    "sources": [
      "https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/2025/int1183.pdf",
      "https://www.occ.treas.gov/news-issuances/news-releases/2025/nr-occ-2025-125.html",
      "https://www.occ.treas.gov/topics/charters-and-licensing/interpretations-and-decisions/index-interpretations-and-decisions.html",
      "https://www.occ.treas.gov/topics/charters-and-licensing/digital-assets-licensing-applications/index-digital-assets-licensing-applications.html",
      "https://www.occ.treas.gov/topics/charters-and-licensing/interpretations-and-actions/2026/cd1365.pdf",
      "https://occ.treas.gov/news-issuances/news-releases/2021/nr-occ-2021-6.html",
      "https://www.occ.treas.gov/topics/charters-and-licensing/interpretations-and-decisions/2026/scl2026-01.pdf",
      "https://www.supremecourt.gov/docket/docketfiles/html/public/26-62.html"
    ]
  },
  "summary": "OCC Interpretive Letter 1183 was issued on March 7, 2025, not March 27. It rescinded IL 1179's supervisory non-objection process and reaffirmed the permissibility, for OCC-supervised banks, of the activities described in IL 1170, 1172 and 1174. It did not itself approve a new charter or guarantee an",
  "headings": [
    "OCC National Trust Bank Charters for Digital-Asset Firms · 2025–2026 Verified Update",
    "TL;DR",
    "Wiki route",
    "Why this entry exists",
    "OCC charter background · the four-letter chain",
    "Anchorage Digital Bank · the precedent case",
    "Custodia Bank · the Wyoming SPDI counter-pattern",
    "Verified OCC decisions · status as of July 2026",
    "What a national trust charter does—and does not—establish",
    "OCC IL 1183 · exact scope"
  ],
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      "https://occ.treas.gov/news-issuances/news-releases/2021/nr-occ-2021-6.html",
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      "https://www.congress.gov/119/plaws/publ27/PLAW-119publ27.pdf",
      "https://www.dfs.ny.gov/virtual_currency_businesses",
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      "https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/2025/int1183.pdf",
      "https://www.occ.treas.gov/news-issuances/bulletins/2026/bulletin-2026-3.html",
      "https://www.occ.treas.gov/news-issuances/news-releases/2025/nr-occ-2025-125.html",
      "https://www.occ.treas.gov/topics/charters-and-licensing/digital-assets-licensing-applications/index-digital-assets-licensing-applications.html",
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      "https://www.supremecourt.gov/docket/docketfiles/html/public/26-62.html",
      "https://wyomingbankingdivision.wyo.gov/banks-and-trust-companies/special-purpose-depository-institutions"
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