# 2026-10399: White House Eases Rules for Fintech Innovation

2026-10399, Integrating Financial Technology Innovation Into Regulatory Frameworks, is a Federal Register presidential document from Executive Office of the President published 2026-05-22, effective 2026-05-19; PRIA reads it as touching household money (as of 2026-11-04).

- Canonical: https://policyrisk.com/federal-register/2026-10399
- As of: 2026-11-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-10399
- Title: Integrating Financial Technology Innovation Into Regulatory Frameworks
- Type: Presidential Document
- Agencies: Executive Office of the President
- Citation: 91 FR 30475
- Published: 2026-05-22
- Effective: 2026-05-19
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-11-04

## In one line

White House Eases Rules for Fintech Innovation

## Summary

The U.S. government is making it easier for fintech companies to bring cool new financial tech to everyone by cutting red tape and encouraging teamwork with banks and regulators. This means faster, smarter financial services for all Americans, with fewer rules blocking innovation. Changes start rolling out soon, aiming to boost the economy and open doors for fresh ideas without extra costs for users.

## Effects PRIA read

- Regulatory reviews to ease fintech entry: benefit, medium. Within 90 days of May 19, 2026, each Federal financial regulator must review existing regulations, guidance, supervisory practices, and application processes to identify items that unduly impede fintech firms, especially small and emerging firms. Within 180 days, regulators must take steps, in cons…
- Federal Reserve evaluation of direct access: benefit, medium. The Federal Reserve Board is requested to evaluate within 120 days of May 19, 2026 whether uninsured depository institutions and non-bank financial companies (including digital-asset firms and real-time payment participants) may access Reserve Bank payment accounts and services, and to report findi…
- Streamline charter and insurance applications: benefit, medium. Regulators are to identify regulations, guidance, orders, and no-action letters that could be amended to streamline application processes for eligible fintech firms seeking bank charters, credit union charters, deposit or share insurance, and other Federal licenses, balancing innovation with safety…

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## Sources
- [2026-10399 on federalregister.gov](https://www.federalregister.gov/documents/2026/05/22/2026-10399/integrating-financial-technology-innovation-into-regulatory-frameworks)
- [2026-10399 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-05-22/pdf/2026-10399.pdf)

## Related
- [Previous: 2026-10398, To Implement Certain Provisions in the Consolidated Appropriations Act, 2026, a…](https://policyrisk.com/federal-register/2026-10398)
- [Next: 2026-10400, Restoring Integrity to America's Financial System](https://policyrisk.com/federal-register/2026-10400)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-10399 (as of 2026-11-04).