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FDIC Proposes Framework for Banks to Issue Stablecoins

The banking regulator is soliciting public feedback for the next 60 days.
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Dec 16, 2025 • 1 min read

The Federal Deposit Insurance Corporation (FDIC) is soliciting public feedback on a proposal that will establish novel guidelines for depository institutions to issue payment stablecoins in compliance with the GENIUS Act.

What's the Scoop?

  • New Rule Drop: The FDIC has released its first proposed guidelines outlining how FDIC-regulated banks can issue stablecoins in compliance with the GENIUS Act. The proposed rule change would establish a tailored application process for an FDIC-supervised institutions to obtain approval to issue payment stablecoins through a subsidiary.
  • Application Overview: As per the GENIUS Act, the FDIC can only deny payment stablecoin applications if they promote "unsafe or unsound" banking behaviors. Stablecoins issuers will be required to maintain 1:1 reserves, and will apply to an "FDIC-insured State nonmember bank or an FDIC-insured State savings association."
  • Comment Period: The FDIC will accepting comments on its stablecoin guideline proposal for the next 60 days. Comments can be submitted through a variety of formats, including via the FDIC's website.
Source: FDIC

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