Insights: The Vantro View

Perspectives on regulation, innovation, and the future of financial services.

Regulating Crypto in Campaign Finance: The Need for FEC Guidance

As Congress develops regulatory frameworks for digital assets through legislation such as the GENIUS Act and the CLARITY Act, comparatively little attention has been paid to how digital assets interact with the federal campaign finance regime. The Federal Election Campaign Act (“FECA”) was designed for a financial system built on banks, payment processors, and traceable intermediaries. Digital assets challenge those assumptions.

March 16, 2026

De Novo National Banks Face a New Road Map to OCC Approval

Conditional approval of a national bank charter used to be a virtual guarantee that an institution would open its doors. But the OCC's recent treatment of Erebor Bank suggests that banks with conditional approvals still have work to do.

December 31, 2025

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