Do you mean Neobanks that generally attach to existing banks through partnerships? The OCC nearly stopped granting de novo banking charters since 2008: https://crsreports.congress.gov/product/pdf/R/R47014 (see Figure 1 on page 21)
Nah, real banks, but I did some looking and it seems they have state charters rather than national ones from the OCC. What the implications of that would be are rather unclear to me, other than that state banks are regulated by both the state and the FDIC, and national banks are regulated by the OCC.
