Regulatory Alerts2026-03-05
Agencies Clarify the Capital Treatment of Tokenized Securities
The FDIC, Federal Reserve Board, and OCC jointly issued answers to frequently asked questions clarifying that eligible tokenized securities generally receive the same capital treatment as their non-tokenized counterparts under existing banking rules. The agencies emphasized that the capital framework remains technology neutral, meaning the specific distributed ledger technologies used to issue or transact securities do not alter their regulatory capital calculations. Banks holding these digital assets must maintain sound risk management practices and ensure full compliance with all applicable laws and regulations governing their exposures.
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