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#Regulation

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Oct 15Thu
  1. CryptopolitanSource summary81

    Russia will stop personal P2P cryptocurrency transactions in July 2027, with 11 institutions licensed

    The Central Bank of Russia has clarified that P2P cryptocurrency transfers between individuals may only be conducted until July 1, 2027; after that, digital currencies must be transferred through approved custodial wallets. The Central Bank of Russia has authorized 11 institutions to conduct cryptocurrency trading business, including Sberbank; at present, the only assets available for retail investors to trade are Bitcoin, Ethereum, and Tether’s USDT.

    推荐理由：The article outlines Russia’s transition from personal P2P transfers to licensed custody and trading, and lists authorized institutions including Sberbank, as well as the range of assets available for retail trading.

  2. CoinDeskSource summary78

    ASIC proposes tighter rules for Australian crypto exchanges and digital asset custodians

    The Australian Securities and Investments Commission (ASIC) has proposed new standards requiring cryptocurrency exchanges and digital asset custodians to protect customer funds, improve trading transparency and meet financial requirements. The rules will take effect on April 8, 2027. Existing businesses can apply for licences by October 7, 2027, and continue operating while their applications are being reviewed. The consultation will close on November 27, with final guidance and standards expected to be released in March 2027; ASIC said it has received more than 140 applications for digital asset-related financial services authorisation.

    推荐理由：The proposed rules bring customer asset protection, trading transparency, settlement and financial resources into the regulatory framework, while setting out a consultation and licensing application timeline to help trading platforms assess their compliance arrangements.

  3. CryptopolitanSource summary71

    OCC says U.S. large banks restricted services to crypto firms and conditionally approved trust bank charters for 5 crypto companies

    An OCC report said that from 2020 to September 2025, 9 large U.S. banks had restricted services to crypto firms and customers in other lawful industries. The report listed digital assets as a restricted industry but provided no specific crypto examples, and OCC said it was unable to measure how widespread such practices were.

    推荐理由：The report places large banks’ reputational risk policies and restrictions on services to crypto firms in the same regulatory context, and contrasts them with OCC’s conditional approval of trust bank charters for crypto companies.

Oct 14Wed
  1. Fintech News Hong KongSource summary80

    Visa approved by the People’s Bank of China to prepare a domestic bank card clearing institution

    Visa has received approval from the People’s Bank of China to prepare a bank card clearing institution in China, allowing it to formally begin the establishment process, but it has not yet been authorized to conduct clearing operations. Visa still needs to complete the subsequent steps stipulated by the People’s Bank of China before it can begin domestic bank card clearing operations.

    推荐理由：The approval distinguishes between eligibility to prepare the institution and formal authorization to conduct clearing operations, and explains the regulatory steps Visa still needs to complete before entering China’s domestic bank card clearing market.

Oct 13Tue
  1. CoinDeskSource summary78

    Sberbank Approved to Join Russia’s Crypto Trading Register

    Russia’s largest bank, Sberbank, has joined Bank of Russia’s register of crypto trading service providers and plans to open crypto trading to all customers on December 1. The bank has tested BTC, ETH and USDT trading in its app while also advancing its digital custody and crypto wallet businesses. Crypto payments remain prohibited in Russia, and from July 2027, related transactions must be conducted through registered intermediaries.

    推荐理由：The registration brings Sberbank’s trading and digital custody businesses into Russia’s regulated market, while also showing the regulatory boundary between opening access to customers and maintaining a ban on payments.

Oct 10Sat
Oct 8Thu
  1. PYMNTSSource summary73

    US community banking association sues OCC, challenging crypto trust bank charter rules

    Independent Community Bankers of America（ICBA）has filed a lawsuit in federal court against OCC, challenging its granting national trust bank charters to crypto companies that do not accept deposits and do not primarily conduct traditional fiduciary business.

    推荐理由：The case focuses on whether non-depository national trust banks can conduct broad crypto businesses, and also highlights the competitive divide between community banks and crypto companies over deposit insurance and compliance costs.

Oct 7Wed
  2. PYMNTSSource summary60

    Rain申请OCC批准设立全国性信托银行

    Rain已向OCC申请设立Rain National Trust Bank（RNTB），拟将合作方项目的资产托管、储备管理及稳定币发行和赎回纳入联邦监管框架。若获批，RNTB将作为独立子公司，在OCC监督和检查下提供受托资产托管及稳定币发行和赎回，Rain仍是支付平台。ICBA已就数字资产公司申请全国性银行牌照时可能面临较少审查起诉OCC。

Oct 6Tue
  1. Banking DiveSource summary77

    ICBA sues OCC, seeking tighter approval of national trust bank charters

    Independent Community Bankers of America (ICBA) sued OCC and Jonathan Gould in federal court, seeking to overturn the rules and interpretive letters underpinning recent trust bank charter approvals, as well as the charter approval for Protego Holdings Corp.

    推荐理由：The case centers on whether non-depository, non-fiduciary institutions can obtain national trust bank charters, involving state-law exemptions, regulatory costs, and crypto companies’ pathways to becoming banks.

  3. CryptopolitanSource summary72

    香港稳定币落地迟滞之际加码离岸人民币业务并推进虚拟资产牌照修法

    香港财经事务及库务局局长 Christopher Hui表示，香港将通过离岸人民币流动性工具、债券市场安排等措施扩大离岸人民币业务，并于今年提交虚拟资产牌照制度修订法案。香港已有两家稳定币发行机构获牌，HSBC计划推出港元稳定币 HSBC RedCoin，Anchorpoint Financial则已测试港元代币 HKDAP，但受监管稳定币交易所需的基础设施仍较有限。

Oct 3Sat
  1. CryptopolitanSource summary70

    美国社区银行组织起诉OCC，反对向加密公司发放国家信托银行牌照

    代表美国社区银行的ICBA已在哥伦比亚特区起诉OCC，指其向加密公司发放国家信托银行牌照超出监管权限。此类牌照允许公司管理客户资金和处理交易，但不能吸收现金存款或发放贷款，ICBA认为相关数字资产不具备联邦特许银行同等保护。OCC称新规只是澄清既有授权；OCC表示约18个月收到40份新银行牌照申请，其中23份与数字资产有关。

Sep 30Wed
  2. CryptopolitanSource summary81

    FCA opens cryptoasset authorisation applications, giving firms a 5-month application window

    FCA opened the cryptoasset authorisation application window on September 30, allowing firms to submit applications within 5 months and continue operating while awaiting a decision. The application window will remain open until 23:59 on February 28, 2027, while the UK's broader FSMA regulatory regime will take effect on October 25, 2027; late applicants will be restricted from signing new customers or expanding into new business, while firms that do not apply will exit the UK cryptoasset market at that point.

    推荐理由：The material outlines the timelines for the application window, restrictions on late applicants, and eventual market exit, helping crypto platforms assess compliance arrangements and exit risks related to UK authorisation.

  3. FCA (UK)Source summary78

    FCA opens authorization applications for cryptoasset firms

    FCA announced that cryptoasset firms can apply for authorization from today, with the UK for the first time bringing cryptoasset firms operating locally under full FCA regulation, covering consumer protection, safeguarding of client assets, market integrity and financial resilience. Firms intending to continue operating in the UK should apply by 28 February 2027; the new regulatory regime will take effect on 25 October 2027. Authorization is not automatic, and firms must demonstrate that they meet FCA requirements.

    推荐理由：The arrangement clarifies the application deadline, assessment criteria and transitional arrangements for cryptoasset firms entering the UK regulatory framework, making it easier for firms and customers to understand the boundaries of future compliance.

Sep 28Mon
Sep 25Fri
  1. US Federal Reserve — Banking RegulationSource summary78

    Federal Reserve seeks comments on two regulatory proposals for banks issuing payment stablecoins under the GENIUS Act

    The Federal Reserve is seeking public comment on two regulatory proposals for banks issuing payment stablecoins under the GENIUS Act. The first would require regulated issuers to fully back stablecoins with eligible reserve assets such as short-term Treasury bills, and establish standardized capital requirements, risk management standards, and custody rules; the second would establish a tailored application process for banks seeking to issue stablecoins, requiring the submission of a business plan and financial information, and set out procedures for appeals, hearings, and final decisions. The comment period will close 60 days after publication in the Federal Register.

    推荐理由：The Federal Reserve’s proposed rules for implementing the GENIUS Act cover reserve assets, capital, and risk management, giving readers a basis for assessing the compliance threshold for banks issuing stablecoins.