Testimony & Regulatory Comments

Testimony and comments from NCRC about pending legislation and regulatory issues.

NCRC Comment in Opposition to Crypto.com’s National Trust Charter Application

  Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now   Complete the form to download the pdf: Download November 25, 2025 Sebastian R. Astrada Director for Licensing, Midsize, Trust, Credit Card, and Novel Banks Office of the Comptroller of the Currency 400 […]

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NCRC Comment in Opposition to Stripe Inc’s National Trust Charter Application

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download November 13, 2025 Sebastian R. AstradaDirector for Licensing, Midsize, Trust, Credit Card, and Novel BanksOffice of the Comptroller of the Currency400 7th St., SWWashington, DC 20219

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NCRC Opposes Sony’s Stablecoin Bank Application

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download November 7, 2025 Johnathan V. GouldComptroller of the Currency400 7th St., SWWashington, DC 20219 Sebastian R. AstradaDirector for Licensing, Midsize, Trust, Credit Card, and Novel BanksOffice

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NCRC Comment in Opposition to Coinbase National Trust Charter Application

  Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now   Complete the form to download the pdf: Download November 3, 2025 Johnathan V. Gould Comptroller of the Currency 400 7th St., SW Washington, DC 20219 Sebastian R. Astrada Director for Licensing, Midsize,

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NCRC Urges the OMB and Treasury to Reinstate Full Staff at the CDFI Fund

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download October 29, 2025 The Honorable Scott BessentSecretaryU.S. Department of Treasury1600 Pennsylvania Ave, NWWashington, D.C. 20220 The Honorable Russell VoughtDirectorThe Office of Management and Budget725 17th Street,

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NCRC Comments on FHFA’s Proposed Affordable Housing Goals 2026-2028

  Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now   Complete the form to download the pdf: Download November 3, 2025 Mr. Clinton Jones General Counsel Federal Housing Finance Agency 400 7th Street SW Washington, DC 20219 Re: FHFA Proposed Affordable Housing Goals

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NCRC’s 2025 EGRPRA Comment on the Community Reinvestment Act

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download October 23, 2025 OCC (submitted through Regulations.gov)Federal Reserve regs.comments@federalreserve.govFDIC Comments@fdic.gov RE: Docket ID OCC-2023-0016, FRB Docket No. OP-1828- EGRPRA Comment in reference to legacy CRA regulations The National

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NCRC Comment in Opposition to Application for Business Combination of Pinnacle Bank and Synovus Bank

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download September 29, 2025 Ann E. Misback, SecretaryBoard of Governors of the Federal Reserve20th Street and Constitution Avenue, N.W.Washington D.C. 20551regs.comments@federalreserve.gov Erien O. TerryAssistant Vice PresidentFederal Reserve Bank of

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NCRC Letter to the Federal Housing Finance Agency (FHFA) About Repeal of 12 CFR 1293 and Fair Lending, Fair Housing, and Equitable Finance Plans

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download September 26, 2025 Clinton JonesGeneral CounselOffice of General CounselFederal Housing Finance Agency400 7th Street SWWashington, DC 20219 Re:   RIN 2590–AB53: Notice of Proposed Rulemaking; Repeal of 12

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NCRC Comment Opposing Industrial Loan Companies

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download September 18, 2025 RE: Request for Information on Industrial Banks and Industrial Loan Companies and Their Parent Companies, RIN 3064–ZA48 Chairman Travis Hill: The National Community

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NCRC Comment Legal Standard Applicable to Supervisory Designation Proceedings

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download September 15, 2025 Director VoughtConsumer Financial Protection Bureau1700 G Street, NWWashington, D.C. 20552 RE: Legal Standard Applicable to Supervisory Designation Proceedings, Docket No. CFPB-2025-0018, RIN 3170-AB41

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Why the CFPB’s Proposed Rule Changes Miss the Mark

The Consumer Financial Protection Bureau recently proposed a rule that sounds technical but could have serious implications for regular families. They want to change how they decide when to investigate financial companies, making it much harder to step in before people get seriously hurt. Right now, if there’s good reason to think a financial company might be

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NCRC’s Comment on Proposal to Repeal 2023 CRA Rule

Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now Complete the form to download the pdf: Download August 18, 2025 RE: Docket ID OCC-2025-0005, Federal Reserve Docket No. R-1869 and RIN 7100-AG95, FDIC RIN 3064-AG13 – Proposal to rescind the 2023 rule regarding

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NCRC Continues Opposition to National Trust Bank Charters for Stablecoin Issuers with Comment on Ripple Charter Application

  Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now   Complete the form to download the pdf: Download August 4, 2025 Johnathan V. Gould Comptroller of the Currency 400 7th St., SW Washington, DC 20219 Via Email: jonathan.gould@occ.treas.gov Sebastian R. Astrada Director for

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NCRC and Three Dozen Community Groups Oppose National Trust Bank Charter for Stablecoin Issuer Circle

  Complete the form to download the pdf: Yes, send me updates by email about NCRC research, events and news. Download Now   Complete the form to download the pdf: Download July 30, 2025 Johnathan V. Gould Comptroller of the Currency 400 7th St., SW Washington, DC 20219 Via Email: jonathan.gould@occ.treas.gov Sebastian R. Astrada Director for

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