Why Fintech Charters Are Back at the Forefront: The OCC’s Evolving Digital Assets Posture, the Genius Act, and the States’ Stablecoin Regimes

Fintechs and the financial services industry are in the midst of dynamic changes to federal regulation, digital-asset market structure, and state experimentation with digital asset law. The article examines how the intersection of recent OCC interpretive guidance, the enactment of the Genius Act, and state-led stablecoin initiatives have converged to reshape the incentives for fintechs and the financial services industry to enter the new stablecoin ecosystem. This article further presents consid