U.S. OCC Finalizes Landmark GENIUS Act Stablecoin Regulations to Establish National Banking Standards
On October 21, 2026, the U.S. Office of the Comptroller of the Currency (OCC) released a landmark 12 CFR Part 15 final rule implementing the Guiding and Establishing National Innovation for U.S. Stablecoins Act—universally known as the GENIUS Act. Set to take effect on January 18, 2027, the regulation transforms payment stablecoins from speculative, offshore crypto-collateralized experiments into fully supervised, federal payment instruments governed alongside national banks.