{"id":51827,"date":"2026-09-25T19:30:00","date_gmt":"2026-09-25T19:30:00","guid":{"rendered":"https:\/\/cryptomag.finance\/?p=51827"},"modified":"2026-09-25T19:30:00","modified_gmt":"2026-09-25T19:30:00","slug":"fed-proposes-full-reserve-and-capital-rules-for-us-stablecoin-issuers","status":"publish","type":"post","link":"https:\/\/cryptomag.finance\/?p=51827","title":{"rendered":"Fed Proposes Full Reserve And Capital Rules For US Stablecoin Issuers"},"content":{"rendered":"<ul>\n<li>The Federal Reserve has proposed two new rulemaking packages for payment stablecoin issuers under the GENIUS Act.<\/li>\n<li>Board-supervised issuers would have to fully back tokens with permitted reserve assets and meet standardized capital and risk-management requirements.<\/li>\n<li>The proposals are not final rules yet, with a 60-day public comment period ahead.<\/li>\n<\/ul>\n<p>**ID:** N25-01<\/p>\n<p>**Site:** NewsBTC<\/p>\n<p>**Status:** READY<\/p>\n<p>**Author:** NewsBTC Editorial Team<\/p>\n<p>**Focus Keyword:** Stablecoin<\/p>\n<p>**Image Keyword:** Regulation<\/p>\n<p>**Category:** Regulation<\/p>\n<p>**Tags:** Federal Reserve, <a href=\"https:\/\/www.newsbtc.com\/glossary\/stablecoin\/\">Stablecoins<\/a>, GENIUS Act, Banking, Regulation<\/p>\n<p>**Primary Source:** https:\/\/www.federalreserve.gov\/newsevents\/pressreleases.htm<\/p>\n<h2>Stablecoins Would Need Full Reserve Backing<\/h2>\n<p>Under the first proposal, Board-supervised payment stablecoin issuers would have to back their outstanding tokens fully with permitted reserve assets.<\/p>\n<p>The Fed specifically points to short-term Treasury bills and other high-quality liquid assets as the sort of reserves that could qualify.<\/p>\n<p>It also wants standardized capital requirements aimed at covering credit and operational risks, alongside broader risk-management standards and rules for firms safeguarding stablecoin reserve assets.<\/p>\n<p>For banks already under Federal Reserve supervision, the proposal would also clarify which stablecoin-related activities are permissible.<\/p>\n<p>That is important because the legal framework created by Congress still needs to become something institutions can actually operate under.<\/p>\n<p>A law can establish the broad permission to issue regulated stablecoins. Banks still need detailed answers about reserve composition, capital, <a href=\"https:\/\/www.newsbtc.com\/glossary\/custody\/\">custody<\/a> and supervision before launching products at scale.<\/p>\n<h2>Banks Would Get A Dedicated Application Process<\/h2>\n<p>The Fed\u2019s second proposal deals with that entry point.<\/p>\n<p>Board-supervised banks seeking to issue payment stablecoins would have to submit an application including a business plan and financial information.<\/p>\n<p>The framework would also create formal processes for decisions, hearings and appeals.<\/p>\n<p>None of this is final yet.<\/p>\n<p>The Federal Reserve is seeking public comment, with the comment period closing 60 days after publication in the Federal Register.<\/p>\n<p>Governor Michael Barr backed the direction of the proposal while emphasizing the need for clear redemption rights and strong safeguards.<\/p>\n<p>That debate is likely to become one of the important details.<\/p>\n<p>A stablecoin only behaves like dependable digital cash if holders believe they can get their dollars back at par even during stress.<\/p>\n<p>The GENIUS Act created the statutory framework.<\/p>\n<p>The Fed is now starting the much harder work of deciding what regulated stablecoin issuance actually looks like in practice.<\/p>\n<p>*This article was written by the News Desk and edited by [Samuel Rae](https:\/\/www.newsbtc.com\/author\/rae-samuel\/).*<\/p>","protected":false},"excerpt":{"rendered":"<p>The Federal Reserve has proposed two new rulemaking packages for payment stablecoin issuers under the GENIUS Act. Board-supervised issuers would have to fully back tokens with permitted reserve assets and meet standardized capital and risk-management requirements. The proposals are not final rules yet, with a 60-day public comment period ahead. **ID:** N25-01 **Site:** NewsBTC **Status:** [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":51828,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-51827","post","type-post","status-publish","format-standard","has-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fed Proposes Full Reserve And Capital Rules For US Stablecoin Issuers - Cryptomag<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptomag.finance\/?p=51827\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fed Proposes Full Reserve And Capital Rules For US Stablecoin Issuers - Cryptomag\" \/>\n<meta property=\"og:description\" content=\"The Federal Reserve has proposed two new rulemaking packages for payment stablecoin issuers under the GENIUS Act. Board-supervised issuers would have to fully back tokens with permitted reserve assets and meet standardized capital and risk-management requirements. 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