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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Mission Lane Bank received preliminary conditional approval from the Office of the Comptroller of the Currency (OCC) on September 25, 2026, to become a national credit-card bank. It is not yet authorized to open: the proposed bank must meet pre-opening requirements and obtain FDIC deposit insurance. The announcement is a rare charter milestone, but available OCC records do not establish that it is definitively the first new credit-card bank charter in 20 years.
What the OCC approved—and what it did not
In Corporate Decision 1394, dated September 25, 2026, the OCC said it “grants preliminary conditional approval” for Mission Lane to establish a new national credit-card bank. The letter was signed by Deputy Comptroller Sebastian R. Astrada.
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That is a conditional stage, not a license to begin banking. The OCC states: “The Bank may not begin the business of banking until it fulfills all requirements for a bank in organization and the OCC grants final approval.” It also expects the proposed bank to apply for Federal Reserve Bank stock and obtain FDIC deposit insurance.
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The proposal is for a special-purpose credit-card bank under the Competitive Equality Banking Act of 1987 (CEBA), rather than a full-service bank. The OCC decision describes a Richmond, Virginia main office, no branches, and no trust powers. The proposed bank would be a direct, wholly owned subsidiary of Mission Lane Holdings Inc.
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- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
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What kind of cards and customers are in scope?
The application describes a focus on subprime credit-card lending to consumers with limited access to traditional banking services. The OCC’s summary says approximately 95 percent of Mission Lane customers fall within the application’s target VantageScore range of 550 to 700. That figure is reported as information in the application; it is not an independently measured statistic about all Mission Lane customers or the wider population.
A CEBA credit-card charter does not authorize Mission Lane to offer checking or savings accounts under this proposal. Mission Lane’s announcement says the charter is limited to credit-card operations.
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- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
How the existing Mission Lane card program would transition
Mission Lane currently works with unaffiliated banks to issue its branded cards. Under the plan described in the OCC decision, the proposed bank would transition the existing program during its first three years of operations, then become the sole issuer of Mission Lane-branded cards. This is a proposed transition, not a completed change, and it depends on the bank being authorized to open.
Will this affect existing customers’ accounts or credit lines?
Mission Lane says customers should see no disruption to their accounts, credit lines, or app experience during the remaining approval process or a later transition. The company also says their interest rates, fees, and account terms are not changing because of the announcement, and that it remains partnered with TAB Bank and WebBank during the process. These are Mission Lane’s assurances, not a statement that the OCC has completed or approved the transition.
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- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
Is this really the first new credit-card bank charter in 20 years?
The exact “first in 20 years” claim should be treated as a headline framing, not a conclusion established by the OCC records cited here. The OCC’s limited-purpose bank list records American Express National Bank’s decision date as October 25, 2017. That is a relevant comparison, but the list does not provide a comprehensive historical census proving the superlative.
The broader context is that new bank charter applications have been uncommon: the OCC says it received an average of fewer than four applications per year from 2011 through 2024 on its de novo chartering page. The agency describes conditional and final approval as distinct stages. Mission Lane’s decision is therefore notable as preliminary approval for a proposed credit-card bank, not evidence that the bank is already operating.
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- Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- Double check if the URL/website is genuine before entering card details online. Do not provide any gift card details (example: claim code) to someone you do not know or trust. There are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- If you believe that your Card has been lost or stolen, notify Mastercard immediately by calling 1-833-791-7288. You will be asked to provide the Gift Card number and other identifying information.
- Use your Mastercard Gift Card in the U.S. everywhere Mastercard debit cards are accepted, including online. Your Amazon.com Balance cannot be used to purchase Mastercard gift cards.
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What to watch next
- Whether Mission Lane completes the OCC’s pre-opening requirements.
- Whether the proposed bank obtains FDIC deposit insurance and Federal Reserve Bank stock as the OCC expects.
- Whether and when the OCC grants final approval to open.
- How the company carries out its proposed transition of card issuance after operations begin.
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