OCCGeneralOctober 14, 2026

OCC Comptroller Speaks on Debanking Report Findings

Comptroller Gould publicly discussed findings from the OCC's supervisory review of debanking practices at the largest national banks, signaling heightened regulatory attention to how banks terminate or restrict customer accounts. For crypto firms, fintechs, and MSBs that have experienced account closures, this signals potential policy and supervisory pressure on banks to justify debanking decisions. Compliance officers at banks should expect greater scrutiny of their account-closure policies and documentation.

What to do

Review your institution's account-closure and customer-exit policies to ensure decisions are well-documented, risk-based, and defensible under OCC supervisory standards — and, if you are a crypto/fintech firm, monitor this report for potential banking-access relief.

Who this affects

Bank / Credit UnionMoney Services BusinessCrypto ExchangeFintech / NeobankPayments Company

Does this affect your program?

Pick your institution type for an instant read on whether you're in scope — then see exactly which sections of your own policies this changes.

Source

Read the official publication

This radar entry is educational and does not constitute legal advice. Summaries are AI-assisted and grounded in the linked official source; always verify against the primary source and consult qualified legal counsel for jurisdiction-specific guidance.

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