According to @iampaulgrewal, large U.S. banks earn over $360B annually from payments and deposits and are lobbying to end crypto rewards that threaten those margins, source: @iampaulgrewal (Jan 13, 2026). He argues Congress should not pick winners and losers, framing action against crypto rewards as anti-competitive and harmful to everyday consumers, source: @iampaulgrewal (Jan 13, 2026). For traders, this flags a policy risk to U.S. crypto rewards programs and warrants monitoring of Congressional discussions on payments and rewards that address crypto incentives and platform activity, source: @iampaulgrewal (Jan 13, 2026).

According to Crypto Rover, US banks are no longer required to notify the Federal Reserve about activities related to Bitcoin and other cryptocurrencies. This regulatory change marks a significant victory for the crypto market, potentially increasing banking sector participation in cryptocurrency trading. The move could lead to enhanced liquidity and market maturity as banks may now engage more freely with crypto assets without federal oversight hurdles.

According to Crypto Rover, the OCC has reversed Biden-era rules, now allowing US banks to hold and work with cryptocurrencies. This significant policy shift, announced during the Crypto Summit, marks a pivotal moment for crypto integration into traditional banking systems.

According to WallStreetBulls, all banks in the USA will comply with XRP regulations by March 10, 2025, indicating a significant integration of XRP into the banking sector. This compliance could potentially enhance XRP's liquidity and adoption rate among financial institutions, impacting trading strategies.