Banks and Financial Institutions - As introduced, prohibits a bank from digitizing or otherwise converting money held by the bank on behalf of a consumer into a digital currency, digital medium of exchange, or digital monetary unit of account, including cryptocurrency, without express, written authorization from the consumer for whom the money is held. - Amends TCA Title 45.

SB 2522 prohibits Tennessee banks, credit unions, and savings associations from converting customer funds into digital currencies (including cryptocurrency) without the consumer's express, written consent. The bill requires banks to obtain explicit written authorization before digitizing money held for consumers. Violations could trigger fines of up to $1,000 per incident or allow affected customers to sue for damages, including attorney fees. The law would take effect on July 1, 2026.