{"id":232415,"date":"2026-09-25T19:30:00","date_gmt":"2026-09-25T19:30:00","guid":{"rendered":"https:\/\/mycryptomania.com\/?p=232415"},"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:\/\/mycryptomania.com\/?p=232415","title":{"rendered":"Fed Proposes Full Reserve And Capital Rules For US Stablecoin Issuers"},"content":{"rendered":"

The Federal Reserve has proposed two new rulemaking packages for payment stablecoin issuers under the GENIUS Act.
\nBoard-supervised issuers would have to fully back tokens with permitted reserve assets and meet standardized capital and risk-management requirements.
\nThe proposals are not final rules yet, with a 60-day public comment period ahead.<\/p>\n

**ID:** N25-01<\/p>\n

**Site:** NewsBTC<\/p>\n

**Status:** READY<\/p>\n

**Author:** NewsBTC Editorial Team<\/p>\n

**Focus Keyword:** Stablecoin<\/p>\n

**Image Keyword:** Regulation<\/p>\n

**Category:** Regulation<\/p>\n

**Tags:** Federal Reserve, Stablecoins<\/a>, GENIUS Act, Banking, Regulation<\/p>\n

**Primary Source:** https:\/\/www.federalreserve.gov\/newsevents\/pressreleases.htm<\/p>\n

Stablecoins Would Need Full Reserve Backing<\/h2>\n

Under the first proposal, Board-supervised payment stablecoin issuers would have to back their outstanding tokens fully with permitted reserve assets.<\/p>\n

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

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

For banks already under Federal Reserve supervision, the proposal would also clarify which stablecoin-related activities are permissible.<\/p>\n

That is important because the legal framework created by Congress still needs to become something institutions can actually operate under.<\/p>\n

A law can establish the broad permission to issue regulated stablecoins. Banks still need detailed answers about reserve composition, capital, custody<\/a> and supervision before launching products at scale.<\/p>\n

Banks Would Get A Dedicated Application Process<\/h2>\n

The Fed\u2019s second proposal deals with that entry point.<\/p>\n

Board-supervised banks seeking to issue payment stablecoins would have to submit an application including a business plan and financial information.<\/p>\n

The framework would also create formal processes for decisions, hearings and appeals.<\/p>\n

None of this is final yet.<\/p>\n

The Federal Reserve is seeking public comment, with the comment period closing 60 days after publication in the Federal Register.<\/p>\n

Governor Michael Barr backed the direction of the proposal while emphasizing the need for clear redemption rights and strong safeguards.<\/p>\n

That debate is likely to become one of the important details.<\/p>\n

A stablecoin only behaves like dependable digital cash if holders believe they can get their dollars back at par even during stress.<\/p>\n

The GENIUS Act created the statutory framework.<\/p>\n

The Fed is now starting the much harder work of deciding what regulated stablecoin issuance actually looks like in practice.<\/p>\n

*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":"

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:** […]<\/p>\n","protected":false},"author":0,"featured_media":232416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-232415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-discovery"],"_links":{"self":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/232415"}],"collection":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=232415"}],"version-history":[{"count":0,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/232415\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/media\/232416"}],"wp:attachment":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=232415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=232415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=232415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}