Key Takeaways ICBA sues the OCC over issuing non-fiduciary trust bank charters to 13 digital asset companies. The suit threatens conditional federal charters held by crypto platforms like Coinbase, Circle, and Ripple. A court ruling against the OCC could force crypto firms to restructure or seek state charters in 2026. Allegations of Statutory Overreach The Independent Community Bankers of America (ICBA) filed a federal lawsuit against the Office of the Comptroller of the Currency (OCC), challenging the regulator’s authority to grant national trust bank charters to cryptocurrency firms. The complaint, filed in the U.S. District Court for the District of …


