{"id":6991,"date":"2026-09-27T15:59:23","date_gmt":"2026-09-27T15:59:23","guid":{"rendered":"https:\/\/areeblog.com\/?p=6991"},"modified":"2026-09-27T15:59:23","modified_gmt":"2026-09-27T15:59:23","slug":"u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking","status":"publish","type":"post","link":"https:\/\/areeblog.com\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\/","title":{"rendered":"U.S. Federal Reserve Opens Next Stage of Stablecoin Rulemaking"},"content":{"rendered":"
\"U.S.<\/p>\n

The U.S. Federal Reserve on September 24, 2026, opened public comment on two proposed rules implementing the GENIUS Act, beginning the Board\u2019s formal rulemaking process for payment stablecoinstablecoin<\/a> issuers and related banking activities under its authority.<\/p>\n

One proposal, R-1899<\/strong>, sets out prudential requirements for Board-supervised permitted payment stablecoin issuers. The second, R-1900<\/strong>, establishes procedures for insured State member banks seeking approval to issue payment stablecoins through subsidiaries.<\/p>\n

The proposals are not final regulations. Together, they run roughly 452 pages and cover reserves, redemption, reporting, capital, custody, risk management and examinations.<\/p>\n

Under the proposed reserve framework, covered issuers would generally have to hold eligible reserve assets with a fair value at least equal to the value of their outstanding payment stablecoins. Eligible assets would include U.S. currency and coin, balances held at Federal Reserve Banks, certain eligible deposits and insured shares, and U.S. Treasury securities with remaining maturities of 93 days or less.<\/p>\n

Certain overnight repurchase transactions backed by Treasury securities and specified investment funds would also qualify. Tokenized versions of eligible reserve assets could qualify where they provide legal rights identical to those associated with the underlying non-tokenized assets.<\/p>\n

Reserve assets would have to be valued at least daily, with 5 p.m. proposed as the valuation time. The Board is also asking whether issuers should use real-time monitoring of their reserve positions.<\/p>\n

Issuers would generally have to satisfy redemption requests within two business days under a public redemption policy. Exceptions are proposed for specified circumstances involving safety and soundness, financial stability, public-interest considerations, certain Bank Secrecy Act or sanctions-related reviews, and events outside an issuer\u2019s control.<\/p>\n

Monthly public reserve reports would disclose outstanding stablecoin liabilities, reserve amounts and composition, average maturity or tenor, and the geographic location of reserve custody. A registered public accounting firm would have to examine those reports before publication, while the Federal Reserve would receive quarterly financial reporting and confidential weekly information covering issuance, redemptions, trading activity and reserve assets.<\/p>\n

The proposed capital framework includes a 2% risk-based capital requirement for certain uninsured eligible deposit claims and undercollateralized reverse-repurchase exposures. An operational-risk capital component would apply rates of 2% to the first $20 billion of stablecoin issuance, 1.5% to the next $30 billion and 1% to issuance above $50 billion.<\/p>\n

The calculation would also include 25% of an issuer\u2019s three-year average revenue from non-reserve assets and an adjustment tied to realized operational losses.<\/p>\n

Payment stablecoin issuers would be prohibited from paying holders interest or yield in connection with holding, using or retaining their stablecoins. The proposal also addresses similar benefits provided through affiliated or related third parties.<\/p>\n

Federal Reserve Governor Michael Barr raised concerns about the proposed treatment of deficiencies in a stablecoin issuer\u2019s Bank Secrecy Act, anti-money-laundering or sanctions compliance program. In a September 24 statement, he focused on the use of a threshold centered on a \u201csignificant or systemic\u201d deficiency.<\/p>\n

The rules would also establish minimum custody standards for entities safeguarding reserve assets, payment stablecoins used as collateral and private keys associated with stablecoin issuance. An anti-tying provision would apply to all permitted payment stablecoin issuers, prohibiting an issuer from conditioning a stablecoin-related service on a customer purchasing another product or service from the issuer or its subsidiary, or agreeing not to obtain a competing service.<\/p>\n

R-1900 would govern applications from insured State member banks seeking approval for subsidiaries to issue payment stablecoins. Applicants would provide information including a business plan, financial information, policies and procedures, organizational and capital-structure details, relevant biographical information and required certifications. The proposed procedures also address hearings, congressional notification, appeals and final Board decisions.<\/p>\n

The Federal Reserve\u2019s proposals follow the GENIUS Act\u2019s July 18, 2026, deadline<\/a> for implementing regulations. Congress enacted the law on July 18, 2025. Its general effective-date provision points to January 18, 2027, or 120 days after the relevant primary federal payment stablecoin regulators issue final implementing regulations, whichever occurs earlier under the statute.<\/p>\n

The Board said comments will be due 60 days after publication of the proposals in the Federal Register<\/em>. The exact calendar deadline depends on the final publication date.<\/p>\n

The Federal Reserve\u2019s economic analysis accompanying the proposals cited stablecoin market capitalization of approximately $317 billion as of April 6, 2026.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

The U.S. Federal Reserve on September 24, 2026, opened public comment on two proposed rules implementing the GENIUS Act, beginning the Board\u2019s formal rulemaking process for payment stablecoinstablecoin issuers and related banking activities under its authority. One proposal, R-1899, sets out prudential requirements for Board-supervised permitted payment stablecoin issuers. The second, R-1900, establishes procedures for […]<\/p>\n","protected":false},"author":4,"featured_media":6992,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[164],"tags":[1100],"class_list":["post-6991","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tech-updates","tag-crypto"],"share_on_mastodon":{"url":"https:\/\/mastodon.social\/@Areeblog\/117343851191610468","error":""},"yoast_head":"\nU.S. Federal Reserve Opens Next Stage of Stablecoin Rulemaking - Aree Blog<\/title>\n<meta name=\"description\" content=\"Federal Reserve opens public comment on two proposed GENIUS Act stablecoin rules covering reserves, banks, and issuers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/areeblog.com\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"U.S. Federal Reserve Opens Next Stage of Stablecoin Rulemaking\" \/>\n<meta property=\"og:description\" content=\"Federal Reserve opens public comment on two proposed GENIUS Act stablecoin rules covering reserves, banks, and issuers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/areeblog.com\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\/\" \/>\n<meta property=\"og:site_name\" content=\"Aree Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-27T15:59:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/areeblog.com\/wp-content\/uploads\/2026\/09\/images-31-1.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"588\" \/>\n\t<meta property=\"og:image:height\" content=\"441\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Samuel Ogori\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Samuel Ogori\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/\"},\"author\":{\"name\":\"Samuel Ogori\",\"@id\":\"https:\\\/\\\/areeblog.com\\\/#\\\/schema\\\/person\\\/6a78eeede4fadf1402a1c6fa18892c2a\"},\"headline\":\"U.S. Federal Reserve Opens Next Stage of Stablecoin Rulemaking\",\"datePublished\":\"2026-09-27T15:59:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/\"},\"wordCount\":693,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/areeblog.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/images-31-1.jpeg\",\"keywords\":[\"Crypto\"],\"articleSection\":[\"Tech Updates\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/\",\"url\":\"https:\\\/\\\/areeblog.com\\\/u-s-federal-reserve-opens-next-stage-of-stablecoin-rulemaking\\\/\",\"name\":\"U.S. Federal Reserve Opens Next Stage of Stablecoin Rulemaking - 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Blockaid estimated the affected assets at about $9.3 million. The firm described that figure as the\u2026","rel":"","context":"In "Tech Updates"","block_context":{"text":"Tech Updates","link":"https:\/\/areeblog.com\/category\/tech-updates\/"},"img":{"alt_text":"Flow EVM Lending Protocol More Markets Hit by $9.3 Million Exploit","src":"https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/08\/IMG-20260831-WA0022.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/08\/IMG-20260831-WA0022.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/08\/IMG-20260831-WA0022.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/08\/IMG-20260831-WA0022.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/08\/IMG-20260831-WA0022.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":6963,"url":"https:\/\/areeblog.com\/ibm-connects-banks-to-swifts-blockchain-ledger-for-tokenized-deposits\/","url_meta":{"origin":6991,"position":5},"title":"IBM Connects Banks to Swift’s Blockchain Ledger for Tokenized Deposits","author":"Samuel Ogori","date":"September 24, 2026","format":false,"excerpt":"IBM has connected its Digital Asset Haven platform to Swift\u2019s blockchain-based shared ledger, giving financial institutions a new way to instruct tokenized deposit transactions using existing ISO 20022 payment messages. IBM announced the integration on September 24, 2026, alongside a separate beta version of Digital Asset Haven designed to run\u2026","rel":"","context":"In "Tech Updates"","block_context":{"text":"Tech Updates","link":"https:\/\/areeblog.com\/category\/tech-updates\/"},"img":{"alt_text":"IBM Connects Banks to Swift's Blockchain Ledger for Tokenized Deposits","src":"https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/09\/IMG-20260924-WA0053.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/09\/IMG-20260924-WA0053.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/09\/IMG-20260924-WA0053.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/09\/IMG-20260924-WA0053.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/areeblog.com\/wp-content\/uploads\/2026\/09\/IMG-20260924-WA0053.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/areeblog.com\/wp-content\/uploads\/2026\/09\/images-31-1.jpeg","_links":{"self":[{"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/posts\/6991","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/comments?post=6991"}],"version-history":[{"count":1,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/posts\/6991\/revisions"}],"predecessor-version":[{"id":6993,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/posts\/6991\/revisions\/6993"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/media\/6992"}],"wp:attachment":[{"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/media?parent=6991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/categories?post=6991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/areeblog.com\/wp-json\/wp\/v2\/tags?post=6991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}