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The change of tone is given under the administration of Donald Trump.
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BO HIES, director of Advisors of Digital Assets of the White House, applauded the decision.
The Federal Corporation of Deposits Insurance of the United States (FDIC) issued a new guide that allows banks under their supervision to participate in activities related to Bitcoin (BTC) and other cryptocurrencies without the need for prior approval.
According to the official statement, banks can carry out allowed activities provided they evaluate the associated risks, such as market, liquidity, cybersecurity and money laundering.
In addition, they must coordinate with their supervision equipment to guarantee compliance with existing regulations. With this decision, the FIL-16-2022 standard, established in 2022, which forced entities to obtain an explicit permit before entering this field is left behind.
The FDIC, in charge of supervising thousands of banks – mostly small – and guaranteeing the stability of the US financial systemit seems, with this guide, wanting to adapt to the new regulatory reality of the USA.
The agency protects deposits and encourages public trust, a role that now extends to a sector that, until recently, faced significant barriers by regulators.
The impulse of the Trump administration
The policy change comes after a series of favorable actions towards Bitcoin and cryptocurrencies by Donald Trump’s government.
From his arrival to power, The president has shown a clear support for the sectorpromising to turn the United States into «the capital of the world’s cryptocurrencies», as reported by cryptoics.
This turn is aligned with the creation of the working group for digital assets, established by an executive order signed on January 23, 2025.
Among the priorities of the group are the creation of a Bitcoin National Reserve and the development of a regulatory framework that fosters innovation without neglecting user protection.
For his part, BO HIES, director of the Council of Digital Assets Advisors of the White House, celebrated the decision of the FDIC. «It is a great victory,» he said, adding that he represents «a great step forward towards innovation and adoption» of cryptocurrencies in the country.
Beyond the Fdic: a domino effect
The scope of this change is not limited to the FDIC. The Basic Product Future Negotiation Commission (CFTC) also withdrew an advice letter which differentiated derivatives from digital assets from other similar products.
This review, immediately, ensures that derivatives linked to cryptocurrencies receive the same treatment as the rest, eliminating another barrier to companies in the sector.
This joint movement between regulators suggests a more friendly environment for cryptocurrencies under the Trump administration.
However, it contrasts with the recent past. In February 2025, the release of 175 documents revealed the obstacles that banks faced during Joe Biden’s management to offer services with Bitcoin.
That resistance, known as «Operation Chokepoint 2.0», was denounced by members of the cryptocurrency industry as a deliberate effort to limit customer access to these assets.
American regulators within the working group continue to work to broadcast more guides in the future. Among the pending issues are operations with stablcoins and the structure of the cryptocurrency market, Areas that the Government considers key to balance innovation and security.