Economy February 26, 2026

Top U.S. Banking Regulator Open to Lawmakers Reviewing World Liberty Financial Charter Filing

Comptroller Jonathan Gould says he will 'entertain' request for confidential congressional review as Democrats press conflict concerns

By Maya Rios
Top U.S. Banking Regulator Open to Lawmakers Reviewing World Liberty Financial Charter Filing

The U.S. comptroller of the currency indicated he would consider allowing senior members of Congress to see an unredacted application from World Liberty Financial to become a national trust bank. Democratic senators raised conflict-of-interest concerns during a Senate Banking Committee hearing and urged the regulator to withhold or delay review, while the crypto firm and the White House have denied any improper ties.

Key Points

  • Comptroller Jonathan Gould said he would "entertain" a request for confidential congressional review of World Liberty Financial’s national trust bank application.
  • Senator Elizabeth Warren and other Democrats raised conflict-of-interest concerns and asked for an unredacted copy to be shared with her and Senate Banking Committee Chairman Tim Scott; some Democrats urged rejection or delay of the application.
  • A trust bank charter allows firms to manage and hold customer assets and settle payments faster but does not allow deposit-taking or lending; several crypto firms have received preliminary approvals for such charters. Sectors impacted: banking and cryptocurrency markets.

WASHINGTON - The head of the national bank regulator told senators on Thursday he would consider a request to give senior congressional leaders confidential access to a national trust bank application filed by World Liberty Financial, a crypto venture backed by members of President Donald Trump’s family.

Jonathan Gould, the Comptroller of the Currency appointed last year, responded to Democratic Senator Elizabeth Warren at a Senate Banking Committee hearing that he would "entertain" her request for a confidential review of the company’s filing, which the firm submitted in January. The application seeks a national trust bank charter that would permit the company to broaden its operations.

Warren, joined by other Democrats on the panel, argued the application raises potential conflicts of interest and asked that an unredacted copy be shared with her and Senate Banking Committee Chairman Tim Scott, a Republican, so the committee could confirm the filing contains all required information. Several Democrats on the committee also urged Gould to reject the application outright or to pause the agency’s review.

World Liberty Financial is run by the president’s sons and other associates. Democrats additionally referenced reporting that the United Arab Emirates’ national security adviser is a large investor in the venture.

Responding to questions, Gould defended the licensing operation at his agency, praising staff as "superb" and noting that the licensing process is described in staff manuals available to the public. "We process applications in a fair and evenhanded manner," he said during the hearing.

The company’s spokesman, David Wachsman, said World Liberty Financial has met all obligations through the application process, including required disclosures, and accused Democrats of politicizing the issue. "Democrats are playing politics and, with baseless lies, smearing a private American company undergoing a rigorous regulatory process," Wachsman said.

A national trust bank charter generally allows firms to hold and manage assets on behalf of customers and to settle payments more quickly; such charters do not permit holders to accept deposits or to make loans. The hearing also noted that several other cryptocurrency-related firms have already received preliminary approvals for trust bank charters.

The exchange at the committee underscores the political scrutiny that can accompany regulatory evaluations when applicants have ties to prominent political families and when foreign investment is reported. The comptroller’s willingness to consider congressional access to the filing stops short of a commitment to release documents, but signals openness to oversight requests from senior members of Congress.


Contextual note: The application was filed in January and is currently under review by the agency. The White House has previously denied that the Trump family’s crypto activities constitute a conflict of interest.

Risks

  • Potential conflict-of-interest concerns tied to ownership and investor profiles could increase regulatory and political scrutiny of the application - impact on banking and crypto sectors.
  • Congressional review or demands for additional disclosures could delay the regulator’s decision-making process, creating uncertainty for World Liberty Financial and similar applicants - impact on crypto firms seeking charters.
  • Public scrutiny over reported foreign investment in the venture could complicate approval prospects and heighten reputational risk for the company - impact on investor relations and regulatory perceptions in financial services.

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