Amy Leigh Pearson, Founder of TrustLogic, provides an informational comment regarding the ownership structure of stablecoins. She suggests a model where recipients hold a revocable right to funds rather than full ownership to simplify the process of unwinding fraudulent transactions without violating property rights.

The commenter, identifying as a concerned citizen, opposes the proposed action on the grounds that it will facilitate money laundering by the wealthy and lack accountability. They argue that the move will fail to stop terrorist financing and further enrich those in power.

The commenter addresses specific questions regarding sanctions compliance, AML/CFT programs, and the FinCEN consultation process for payment stablecoin issuers. They also express a personal suspicion regarding insider trading.

Steven Quinn Singleton submits a comment supporting the OCC's proposed rule for payment stablecoin issuers, describing it as a necessary coordination instrument. He offers six specific refinements to clarify definitions, cost-benefit assessments, and legal protections without opposing the rule's core design.

A retired Wells Fargo employee opposes the issuance of a national banking charter to World Liberty Trust Company. The commenter argues that the bank should face the strictest possible controls due to its ties to foreign entities and political figures, and specifically requests that the OCC reject the application.

Osman Sonmez, an attorney and CEO of Sonmez Consulting LLC, supports the general framework of the proposed rule but suggests clarifying how sanctions compliance deficiencies will be treated. He argues that "effective" AML/CFT programs should be based on risk reasoning rather than just list-matching and advocates for maintaining the consultation process for all issuer sizes.