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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 acting FDIC Chairman Travis Hill in prepared remarks submitted to the House Financial Services Committee. The new stablecoin regulatory framework is nearly ready to be unveiled According to Hill, the FDIC has begun drafting implementation rules for the GENIUS Act, and a formal proposal will be published 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 acting FDIC Chairman Travis Hill in prepared remarks submitted to the House Financial Services Committee.

New Stablecoin Regulatory Framework Nearly Ready to Be Unveiled

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

He also noted that:

  • Early next year, the FDIC will follow up with prudential safety 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 Continues

Like other federal rules, the FDIC's proposal will be open for public comment before it is finalized. This 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 Developing Guidance on Tokenized Deposits

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

The FDIC is currently drafting formal guidance on the regulatory treatment of 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 set to testify the same day, stating that the Fed is working with other banking regulators to develop capital, liquidity, and reserve asset diversification requirements for stablecoins — as mandated by the GENIUS Act.

Bowman stressed 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 leadership at the Office of the Comptroller of the Currency (OCC) and the National Credit Union Administration (NCUA) — two agencies that will jointly participate in implementing the stablecoin regulatory framework.