Lending Against Digital Assets: Five Key Takeaways For Lenders After A Year Of Regulatory And UCC Change.

[1] The result is that lending against crypto collateral no longer requires advance regulatory permission for national banks, state member banks, or FDIC-supervised institutions. Additional ConsiderationsCapitalU.S. federal banking agencies have not implemented the Basel cryptoasset standard, and their March 2026 capital proposals are silent on digital assets. For questions about this alert, please contact any of the authors or our Digital Assets and Payments Team. 122 (Jan. 23, 2025) (rescinding SAB 121 and removing the principal accounting impediment to bank custody of crypto assets). 119-27 (July 18, 2025); Digital Asset Market Clarity Act of 2025, H.R.