February 26, 2025

Statement for the Record of Digital Assets Hearing

ICBA submitted a statement for the record for the Senate Banking Committee’s Digital Assets Subcommittee hearing titled “Exploring Bipartisan Legislative Frameworks for Digital Assets.”

ICBA said community banks have a strong interest in ensuring that stablecoins issued by non-bank entities do not do harm to investors, consumers, or the financial system.

ICBA also said it will evaluate any stablecoin regulatory framework against four principles: the potential for regulatory arbitrage; preserving the integrity of Federal Reserve Master Accounts; risks posed by commercial and “Big Tech” private currencies; and community bank disintermediation.