FDIC Outlines Pro-crypto Reforms With Clearer Rules And Fair Banking Policies

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The FDIC highlights the future-looking crypto agenda and fair access reform, demonstrating a great and crucial aspect of transparency, institutional clarity and wider participation in digital finance.

US banking regulators drive positive crypto agendas and equal access initiatives

During the Financial Stability Monitoring Council meeting in September 2025, the federal government, the agency responsible for protecting depositors and maintaining stability in the US banking system, placed digital assets at the heart of its digital assets and policy agenda. Acting Chairman Travis Hill said the FDIC “removed the Biden-era ‘advanced notice’ requirement” and “making it clear that banks could engage in acceptable crypto assets activities.”

He added the agency:

It published hundreds of pages of supervisory newsletters to provide transparency regarding the previous administration’s misguided approach to digital assets.

He said the FDIC has “began to implement the genius and recommendations from the President’s working group on the digital asset market.” Hill emphasized that these efforts serve as the foundation for modernizing crypto regulations while maintaining systematic stability.

The FDIC changes show a critical pivot from previous policies, moving from restrictive monitoring to a framework that emphasizes transparency and innovation. By withdrawing notification duties and clarifying the activities banks pursue, the agency aims to provide a clearer pathway to exploring digital asset services without unnecessary barriers. The release of internal supervisory communications was framed as a measure of accountability, revealing how previous approaches constrain bank participation.

In addition to digital assets, Hill focused on removing and outlined a rulemaking effort designed to prevent examiners from ordering banks to close accounts based on political, cultural, religious or reputational factors. A review of the supervised institutions is underway to ensure compliance with the President’s executive order on fair banking. Critics argue that risk can be introduced by limiting the discretion of examiners, but advocates of both crypto adoption and fair banking reform argue that the new direction of the FDIC will promote financial inclusion, promote responsible blockchain use, and increase the US competitiveness in global markets.