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12/02/2025

FDIC Set to Release Stablecoin Regulatory Framework This Month

The Federal Deposit Insurance Corporation (FDIC) will soon release a proposed regulatory framework to implement the GENIUS Act — the new U.S. law governing stablecoins. The announcement was made by FDIC Acting Chairman Travis Hill in prepared remarks submitted to the House Financial Services Committee. A new regulatory framework for stablecoins is on the way According to Hill, the FDIC has begun drafting implementation rules for the GENIUS Act, with a formal proposal set to be released this month.

FDIC Set to Release Stablecoin Regulatory Framework This Month

The Federal Deposit Insurance Corporation (FDIC) will soon release a proposed regulatory framework to implement the GENIUS Act — the new U.S. law governing stablecoins. The announcement was made by FDIC Acting Chairman Travis Hill in prepared remarks submitted to the House Financial Services Committee.

A New Stablecoin Regulatory Framework Is Coming

According to Hill, the FDIC has begun drafting implementation rules for the GENIUS Act, and a formal proposal will be released this month. This will be the first document outlining how the FDIC intends to license and supervise stablecoin issuers under its regulatory authority.

He also noted that:

  • Early next year, the FDIC will issue prudential safety-and-soundness rules covering capital requirements, liquidity standards, and reserve asset diversification for FDIC-supervised stablecoin issuers.

President Donald Trump signed the GENIUS Act into law in July, distributing stablecoin oversight across multiple federal agencies, with the FDIC responsible for supervising stablecoin issuers within the banking system.

Public Comment Process Still Underway

Like other federal rules, the FDIC's proposal will be published for public comment before being finalized. That review and revision process typically takes several months.

The U.S. Treasury Department — which oversees non-bank stablecoin issuers — began implementing the GENIUS Act in August and closed its second public comment period last month.

FDIC Exploring Guidance on Tokenized Deposits

Beyond stablecoins, Hill also said the FDIC is reviewing the report from the Presidential Working Group on Digital Asset Markets. The report recommends expanding permissible activities for banks, including tokenization of assets and liabilities.

The FDIC is currently drafting formal regulatory guidance on tokenized deposits, aimed at clarifying the boundary between traditional banking services and emerging digital asset models.

Federal Reserve Collaborating on Stablecoin Standards

Federal Reserve Vice Chair for Supervision Michelle Bowman is also scheduled to testify the same day, stating that the Fed is working with other banking regulators to develop capital, liquidity, and reserve asset diversification standards for stablecoins — as required by the GENIUS Act.

Bowman emphasized that the banking industry needs regulatory clarity on digital assets in order to support innovation safely.

The House Financial Services Committee hearing will also include testimony from leaders at the Office of the Comptroller of the Currency (OCC) and the National Credit Union Administration (NCUA) — two agencies that will play a role in implementing the stablecoin regulatory framework.