OCC Proposes GENIUS Act Stablecoin Regulatory Framework

JD Supra Finance & Banking

Published April 1st, 2026

Detected April 2nd, 2026

Summary

The Office of the Comptroller of the Currency (OCC) published a proposed regulation to implement the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins Act), establishing a federal regulatory framework for payment stablecoin issuers in the United States. The proposal outlines licensing, reserve requirements, and operational standards for stablecoin issuers operating nationally.

View original document View source feed page

What changed

The OCC has released proposed rules to implement the GENIUS Act, creating a comprehensive federal regulatory framework for payment stablecoin issuers. The proposal establishes requirements including reserve backing, disclosure obligations, and supervisory standards for entities issuing stablecoins used for payment purposes. The GENIUS Act represents the first major federal legislation specifically addressing stablecoin regulation.

Stablecoin issuers and technology companies developing payment stablecoin products should review the proposed framework and prepare for compliance with federal standards. Financial institutions considering stablecoin offerings should evaluate how the OCC's proposal aligns with their existing compliance programs. Parties interested in the rulemaking should monitor for the official comment period and docket number when published in the Federal Register.

What to do next

Monitor for the official Federal Register publication and docket number to submit formal comments
Review current or planned stablecoin offerings against proposed GENIUS Act requirements
Assess capital reserve and disclosure obligations under the proposed framework

Source document (simplified)

April 1, 2026

Estados Unidos propone normas para la implementación de la Ley Genius

LinkedIn Facebook X Send Embed La Oficina del Contralor de la Moneda (OCC) publicó una propuesta de reglamentación para implementar la Ley GENIUS (Guiding and Establishing National Innovation for U.S. Stablecoins Act), la nueva ley federal que establece el marco regulatorio para la emisión de stablecoins de pago en Estados Unidos.

Please see full publication below for more information.

Download PDF [510KB] Email Report Send Report

Latest Posts

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
Attorney Advertising.