{"id":64294,"date":"2025-12-18T19:31:32","date_gmt":"2025-12-18T19:31:32","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=64294"},"modified":"2025-12-18T19:31:32","modified_gmt":"2025-12-18T19:31:32","slug":"federal-reserve-withdraws-crypto-rules-banks-get-more-freedom","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=64294","title":{"rendered":"Federal Reserve Withdraws Crypto Rules, Banks Get More Freedom"},"content":{"rendered":"
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The Federal Reserve announced on April 24, 2025, that it is pulling back previous rules for banks handling crypto<\/a> and dollar tokens. From now on, banks will be supervised the usual way, instead of through separate crypto-focused requirements.<\/p>\n

Banks Can Now Move Faster With Crypto<\/h2>\n

The rules being withdrawn included a 2022 letter that told state member banks to notify the Fed before dealing with crypto, and a 2023 letter<\/a> that required approval before handling dollar tokens. These rules had kept some smaller banks, especially uninsured crypto-focused ones, from accessing Fed accounts or payment systems.<\/p>\n

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Other regulators moved at the same time. The FDIC and the OCC also withdrew two 2023 statements about crypto risks. Those statements<\/a> had flagged issues like liquidity and governance risks in crypto banking. By pulling them back, banks now face fewer formal roadblocks when offering crypto services.<\/p>\n

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\"\ud83d\udea8\"\"\ud83d\udea8\"\"\ud83d\udea8\"WOWZERS\u2013the Fed rescinded guidance it enacted in Jan 2023 simultaneously with the @custodiabank<\/a> denials + the Biden White House anti-crypto statement. Thank you, VCS Bowman & Gov Waller!\"\ud83d\ude4f\" The Fed broke the law by citing this very guidance in the Custodia denial, even tho\u2026<\/p>\n

\u2014 Caitlin Long \"\ud83d\udd11\"\"\u26a1\"\"\ud83d\udfe0\" (@CaitlinLong_) December 17, 2025<\/a><\/p>\n<\/blockquote>\n

Fed\u2019s New Guidance<\/h2>\n

On Dec. 17, 2025, the Fed introduced new guidance<\/a> to give both insured and uninsured state member banks a clear path to explore activities like cryptocurrencies, as long as they meet the Fed\u2019s risk-management standards, the central bank said.<\/p>\n

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@federalreserve<\/a> withdraws 2023 policy statement and issues new policy statement regarding the treatment of certain Board-supervised banks that facilitates responsible innovation: https:\/\/t.co\/5s1I9LO9EF<\/a><\/p>\n

\u2014 Federal Reserve (@federalreserve) December 17, 2025<\/a><\/p>\n<\/blockquote>\n

Supervision Now Part Of Normal Oversight<\/p>\n

The Fed said it will continue watching banks\u2019 crypto work, but through regular supervisory processes. Banks don\u2019t need to send extra notifications or get prior approval for crypto activities anymore. That includes things like custody, trading, or settlement of digital assets. There aren\u2019t new rules being added \u2014 it\u2019s just now part of normal oversight.<\/p>\n


\nKey Dates And Actions<\/p>\n

The important date<\/a> is April 24, 2025. On this day, the Fed withdrew letters from 2022 and 2023, along with the two joint interagency statements from 2023. These had previously told banks how to report and get approval for crypto work. The withdrawal simply moves crypto activities into regular bank supervision.<\/p>\n

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What This Means For Banks And Markets<\/p>\n

Banks have more leeway to provide crypto services because they no longer have to follow the old regulations. They\u2019ve gained the ability to quickly develop, test, and manage digital assets. However, the Fed continues to keep an eye on how banks manage their risks.<\/p>\n

While this change does not eliminate all regulatory requirements, it eliminates much of the extra duplication of paperwork and approvals that acted as barriers and impeded progress in the past.<\/p>\n

Featured image from Unsplash, chart from TradingView<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

The Federal Reserve announced on April 24, 2025, that it is pulling back previous rules for banks handling crypto and dollar tokens. From now on, banks will be supervised the usual way, instead of through separate crypto-focused requirements. Banks Can Now Move Faster With Crypto The rules being withdrawn included a 2022 letter that told […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-64294","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/64294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=64294"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/64294\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=64294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=64294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=64294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}