Policy Framework
At Ripple, we believe innovation in financial services simply cannot flourish without an appropriate and effective regulatory framework. To this end, Ripple works extensively with financial institutions, regulators and central banks to ensure payment innovations take root in safe and secure ways. We aim to build a regulatory framework for global payments that is predictable, clear, consistent, and pro-competition.
Policy Perspectives
International
- Submission to the Basel Committee on Banking Supervision on the consultative paper “Prudential treatment of cryptoasset exposures”
- Submission to the Basel Committee on Banking Supervision on the discussion paper “Designing a prudential treatment for crypto-assets”
- Comment Letter Submission for the GPFI Consultative Document on Financial Inclusion
United States
Congress and Regulatory Authorities
- Ripple Policy Framework
- Response to Senator Toomey's Request for Feedback
- Letter to the OCC re: Digital Activities of National Banks and Federal Savings Associations August 2020
- Letter to the Uniform Law Commission re: Virtual Currency Business Act 24 February 2017
- Submission to the Office of the Comptroller of the Currency: FinTech Charter, 13 January 2017
- Submission to the Office of the Comptroller of the Currency: Responsible Innovation, 30 May 2016
- Submission to the Conference of State Bank Supervisors on Emerging Payment Technologies
- Letter to the Uniform Law Commission re: Virtual Currency Standard 01 April 2016
SEC
- Order denying Tetragon’s Request for Preliminary Injunction
- Ripple's Response to SEC's Amended Complaint
- Chris Larsen Intent for Motion to Dismiss Letter
- Brad Garlinghouse Intent for Motion to Dismiss Letter
- Ripple Answer Filed
- Summary of Ripple’s Wells Submission
NY BitLicense
- Comments on the Proposed Rules Regarding the Regulation of the Conduct of Virtual Currency Businesses, 21 October 2014
- Comments on the Proposed Rules regarding the Regulation of the Conduct of Virtual Currency Businesses, 27 March 2015
Europe
- Public consultation an EU framework for markets in crypto-assets
- Publication in Banque de France Financial Stability Review: Policy and Legal Implications, April 2016
- Submission to the European Central Bank and Suomen Pankki for Consideration at the Joint Conference: “Getting the Balance Right: Innovation, Trust and Regulation in Retail Payments.”
United Kingdom
- Submission to the Bank of England on the discussion paper “New Forms of Digital Money”
- HMT Cryptoassets promotions: Consultation
- HMT Payments Landscape Review: Call for Evidence
- Submission to HM Treasury’s Call for Information on Digital Currencies
- Submission to the Payment Systems Regulator Consultation (CP 14/1)
Australia
- Submission to Senate Committee on Third Issues Paper on the regulation of digital assets
- Response to Inquiry on Digital Currency from the Australian Senate Standing Committees on Economics
Canada
Asia
- Submission to the Competition Commission of India on the discussion paper “Blockchain technology and competition”
- Submission to the Bank of Thailand on the discussion paper “The way forward for retail central bank digital currency in Thailand”
- Comments on the MAS Proposed Payments Framework 29 October 2016
- Comments on the MAS FinTech Regulatory Sandbox Guidelines 06 July 2016
Middle East
Policy Papers
Industry and Regulatory Engagements
- Federal Reserve’s Faster Payments Task Force Steering Committee
- NACHA Payments Innovation Alliance
- World Economic Forum Technology Pioneer
- International Payments Framework Association
- W3C Working Group
Featured Blog Posts
- Ripple Receives New York’s First BitLicense for an Institutional Use Case of Digital Assets
- How Regulators Can Help Drive Innovation
- BitLicense: How Ripple Labs Approaches Regulations
- Ripple: Benefits for Regulators and Payment Systems
- Regulations & Compliance Update: U.S. Treasury, CSBS, and Canadian Senate
- New York’s BitLicense Has Arrived