I was always gifted in a few specific domains. I started to speak very late, but almost immediately in complete sentences. I learned numbers by watching the weather channel at age three. I started reading the Yellow Pages at that age, too. (This was the early 1990s, when people still used printed phone books.) I knew all the world’s countries and their capitals at age four. I read at an adult level by about age six. My parents were excellent at stimulating me intellectually. We went to the local public library a lot, and our house was always full of…

The Independent Community Bankers of America has opposed the Office of the Comptroller of the Currency’s (OCC) conditional approval of Coinbase’s national trust bank charter, warning the application falls short of regulatory standards and could pose risks to consumers and the financial system.On Thursday, ICBA said Coinbase’s application shows deficiencies in risk controls, profitability and resolution planning, and argued the OCC lacks statutory authority to expand trust powers for crypto-related activities without applying the full set of banking regulations.The group said the decision reflects a broader trend of nonbank entities seeking access to the benefits of bank charters without meeting…

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