- Ripple and XRP will know their regulatory fates by October with final rulings from the SEC and OCC due.
- The SEC is due to deliver its final verdict on several spot XRP ETF applications by October.
- A final ruling on Ripple’s application for a national bank charter is expected from the OCC by October.
The regulatory fog surrounding Ripple and XRP is set to clear by October, as two landmark decisions will finally be served.
According to attorney Bill Morgan, the U.S. SEC and the Office of the Comptroller of the Currency (OCC) are to make serious rulings that will impact XRP and Ripple soon.
SEC’s Final Verdict on XRP ETFs
The first event concerns spot XRP exchange-traded funds (ETFs). The SEC recently pushed back its decisions on several filings including the CoinShares XRP ETF, the Grayscale XRP Trust, and the 21Shares Core XRP ETF. Amid the delay, its new deadline now falls in late October 2025.
Notably, October is the final deadline for the SEC to either approve or reject these products. A green light would see XRP join Bitcoin and Ethereum in the ETF arena. On the other hand, a rejection could weigh on investor sentiment, likely causing a dip in price.
Related: SEC Delays XRP ETF Decisions to October 2025, Extends Reviews for Major Issuers
OCC’s Ruling on Ripple’s Bank Charter
The second development involves Ripple’s application for a national bank charter with the OCC since July. Under OCC rulebooks, a decision should emerge within 120 days. In Ripple’s case, this represents a deadline in October.
This suggests that Ripple will learn the fate of its banking license in the same month the SEC decides on XRP ETFs. The approval will allow Ripple to operate under a federal charter to strengthen its position in the U.S. financial system.
Related: Ripple’s $200M Rail Deal Timed Perfect to Boost Its US Bank Charter Bid – Legal Expert
With the SEC and OCC decisions likely coming out at the same time, October will be a defining month for XRP and Ripple. The ETF ruling will open new avenues for institutional investment while a banking charter will expand Ripple’s RLUSD stablecoin business.
“Sell The News”
Market analyst Zach Rector believes that the run-up to a possible ETF approval could cause buying pressure for XRP. While he expects a brief “sell-the-news” dip after launch, Rector said consistent inflows into XRP ETFs will reverse the market direction. He sees XRP heading toward double-digit prices.
Rector’s outlook places XRP’s future price in the $10+ range, in line with optimistic forecasts from other community commentators who see institutional adoption as the stimulus for the next phase of growth.
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