The Unified Banking Front: BPI and TCH Pushing for Regulatory Moats in OCC Stablecoin Rules

On July 24, 2026, the Bank Policy Institute (BPI) and The Clearing House (TCH) delivered their formal responses to the OCC regarding the June 2026 proposal on payment stablecoin requirements . BPI’s own announcement frames the pair as a call for coordination and support for the OCC’s supervision standards . The underlying strategy is far more calculated. The institutions are not simply asking for clarity; they are actively shaping the perimeter of the banking system to ensure that stablecoin issuers remain firmly on the outside looking in. The mechanism here is classic regulatory capture disguised as prudential oversight.