The Office of the Comptroller of the Currency (OCC) published its final rule implementing the GENIUS Act, establishing requirements for national banks and federal savings associations to issue payment stablecoins. This regulation, effective January 18, 2027, formalizes a pathway for federally chartered institutions to engage in digital payments.

The OCC's final rule establishes a codified framework for banks entering the stablecoin market, replacing previous ambiguous guidance. This new regulation mandates compliance costs for institutions and defines a clear market entry path for federally regulated entities.