Is a bank customer that buys virtual currency (like Bitcoin) in an out of a bank account considered an exchanger and thus subject to MSB rules? For example: I buy bitcoin and treat it like a stock. I buy and sell the bitcoin (through a third party) but the money is debited and credited to my Bank account. Am I considered a virtual currency exchanger?

No. You are considered a user because you are only buying and selling your own virtual currency. The third party that is selling you the virual currency would be an exchanger if it permits you to send virtual currency from your wallet to other wallets (thus acting as a money transmitter.)

FinCEN defines what is and is not an MSB in its 2013 Guidance.

https://www.fincen.gov/resources/st...incens-regulations-persons-administering

and 2019 Guidance

https://www.fincen.gov/sites/default/files/2019-05/FinCEN%20Guidance%20CVC%20FINAL%20508.pdf

Perfect thank you