News: OCC

Diagram of RLUSD's structure: Ripple Labs above Standard Custody & Trust Co., the NYDFS-supervised issuer, and Ripple National Trust Bank, the OCC-chartered bank that manages the reserve and acts as collateral trustee for RLUSD holders, with a timeline from the December 12, 2025 conditional approval to the October 26, 2026 final approval and the GENIUS Act on January 18, 2027

Ripple · Oct 27

Ripple National Trust Bank Gets Final OCC Approval for RLUSD Reserves

Ripple National Trust Bank won final OCC approval on October 26, 2026 to manage RLUSD's reserves.

Diagram of the OCC GENIUS Act final rule timeline: rule issued October 21, 2026, effective January 18, 2027, and a waiver window of up to 12 months, with 30-day completeness and 120-day decision periods for applications.

OCC Finalizes GENIUS Act Rule for Payment Stablecoin Issuers

The OCC's GENIUS Act final rule takes effect January 18, 2027, with waivers expected for existing U.S. issuers.

A vault with keys, access and custody records

OCC Conditionally Approves Five Trust Bank Applications

Five digital-asset institutions receive conditional charter decisions, with requirements still to meet.