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OCC Publishes Final GENIUS Act Stablecoin Rule in Federal Register
The OCC's final stablecoin rule under the GENIUS Act ran in the Federal Register on Friday and takes effect Jan. 18, 2027.
The rulebook for bank-supervised U.S. stablecoins is now official. The Office of the Comptroller of the Currency's final GENIUS Act rule ran in the Federal Register on Friday and takes effect Jan. 18, 2027.
The OCC announced the rule on Oct. 21. Friday's publication starts the clock.
Who it covers and what it sets
The rule applies to stablecoin issuers under OCC watch, including subsidiaries of national banks and federal savings associations, federal qualified issuers and some foreign issuers. Most of it sits in a new 12 CFR Part 15.
It sets standards for reserve assets, redemption, risk management, custody, audits and supervision, plus capital requirements, according to OCC Bulletin 2026-50. The release says issuers got more room to manage reserves than in the proposal, while liquidity and diversification limits stay in place.
Treasury Secretary Scott Bessent welcomed it. "The GENIUS Act marks a watershed moment in American finance, further cementing the United States as the crypto capital of the world," he said in the OCC's release.
Anti-money-laundering rules come later
Bank Secrecy Act, anti-money-laundering and sanctions requirements are not in this rule. Those will come through a separate rulemaking. The OCC also said it will announce separately when it starts taking applications.
Our read: issuers now know the test. They still don't know when they can sit for it.
Sources: Federal Register · OCC · OCC Bulletin 2026-50
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