Occ news and trends

FinTechs and Automakers Pursue Bank Charters to Expand Lending
Digital-First Banking // January 26, 2026

The 21st century has seen a shift in how nonbanks enter the financial system. 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...

OCC Says Reducing Regulatory Burden Will Help Banks Compete With Private Credit
Bank Regulation // January 23, 2026

Comptroller of the Currency Jonathan Gould reportedly said that the Office of the Comptroller of the Currency’s (OCC) work to relax leveraged-loan rules for banks will reduce the regulatory burden on those lenders and help them compete with the private credit industry. Get the Full Story Complete the form...

Revolut Drops US Bank Buyout Plan, Eyes Standalone OCC Charter
Digital Banking // January 23, 2026

Revolut is shifting its U.S. playbook again. The U.K.-headquartered FinTech has dropped plans to buy an American bank and is now preparing to pursue a standalone U.S. banking license, a move that would give it a clearer path to scale lending and other core bank...

European Neobank bunq Files for Banking License in US
Digital Banking // January 07, 2026

Amsterdam-based neobank bunq has formally launched its campaign for an American banking license. 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....

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 […]

OCC Reframes Crypto as Standard Banking Activity

December 10, 2025
U.S. banking regulators are warming up to cryptocurrency in a way never seen before. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access...

New OCC Head May Focus on Digital Assets and New Bank Formation

July 11, 2025
On Thursday (July 10), the United States confirmed Jonathan Gould as Comptroller of the Currency, becoming the first permanent head of the banking regulator in roughly five years. Get the...

OCC Says Banks Can Hold Crypto, but Should They?

March 10, 2025
Blockchain and banking have, since the former’s inception, operated almost entirely at odds. Cryptocurrencies, after all, were invented as a decentralized method to store value, designed to operate outside of...

Quick Reads
Nu Wins Conditional Approval for US National Bank Charter

January 29, 2026
Digital financial services giant Nu received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish a new national bank in the United States, according to a Thursday (Jan. 29) press release. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content […]

OCC Says Reducing Regulatory Burden Will Help Banks Compete With Private Credit

January 23, 2026
Comptroller of the Currency Jonathan Gould reportedly said that the Office of the Comptroller of the Currency’s (OCC) work to relax leveraged-loan rules for banks will reduce the regulatory burden on those lenders and...

Revolut Drops US Bank Buyout Plan, Eyes Standalone OCC Charter

January 23, 2026
Revolut is shifting its U.S. playbook again. The U.K.-headquartered FinTech has dropped plans to buy an American bank and is now preparing to pursue a standalone U.S. banking license, a...

European Neobank bunq Files for Banking License in US

January 07, 2026
Amsterdam-based neobank bunq has formally launched its campaign for an American banking license. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...