Bank Charters news and trends

FinTechs’ Roadmap to Scale Includes Bank Charters
Banking // October 07, 2025

As FinTechs seek to broaden their reach, many are turning to bank charters as a means of expanding product lines, cutting through state-by-state licensing and gaining direct access to the U.S. financial system. Get the Full Story Complete the form to unlock this article and...

FinTechs Pursue Direct Connections to the Fed With National Trust Bank Charters
Bank Regulation // July 07, 2025

For several FinTechs, in the move to broaden scale and scope to a nationwide level, all roads lead to the Fed. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins...

Ripple Applies for National Banking License
Cryptocurrency // July 02, 2025

Ripple reportedly filed an application for a national banking license Wednesday (July 2) with the Office of the Comptroller of the Currency (OCC). Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no...

Wise Files Application to Create National Trust Bank in US
Banking // July 02, 2025

London-headquartered payments firm Wise reportedly filed an application to create a national trust bank in the United States. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to...

Interviews & Exclusives
Conditional Charters Pull Crypto Closer to Core of US Banking

December 12, 2025
Crypto just got chartered. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information […]

FinTechs Pursue Direct Connections to the Fed With National Trust Bank Charters

July 07, 2025
For several FinTechs, in the move to broaden scale and scope to a nationwide level, all roads lead to the Fed. Get the Full Story Complete the form to unlock...

Payments Innovators Seek Direct Access as De Novo Banking Activity Rebounds

May 23, 2025
In recent months, nonbanks have been applying for banking charters. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content...

Quick Reads
Ripple Applies for National Banking License

July 02, 2025
Ripple reportedly filed an application for a national banking license Wednesday (July 2) with the Office of the Comptroller of the Currency (OCC). Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. […]

Wise Files Application to Create National Trust Bank in US

July 02, 2025
London-headquartered payments firm Wise reportedly filed an application to create a national trust bank in the United States. Get the Full Story Complete the form to unlock this article and...

NY Federal Court Rules OCC Cannot Grant Charters To FinTech Firms

October 23, 2019
New York’s federal district court ruled that the U.S. Office of the Comptroller of the Currency (OCC) does not have the power to grant national charters to financial technology (FinTech)...