The Federal Deposit Insurance Corporation (FDIC) confirmed that it will publish its first stablecoin regulatory framework under the GENIUS Act before the end of the month. Acting Chair Travis Hill detailed the plan in testimony submitted to the House Financial Services Committee, stating that the proposal will define how issuers can apply for federal approval.
The draft framework will introduce capital, liquidity, and reserve requirements for bank-issued stablecoins. Hill noted that the goal is to create regulatory clarity without slowing innovation, a stance backed by pro-crypto lawmakers who see stablecoins as essential for strengthening U.S. payment infrastructure. The FDIC is coordinating with the Federal Reserve and Treasury, which are simultaneously preparing guidance for non-bank issuers and tokenized deposits—a move seen as key to aligning the broader digital-asset rulebook.
Hill added that a public comment period will follow the release, after which the agency will refine details and set phased implementation timelines. Additional technical guidance is expected early next year as interagency standards are synchronized.
Source:https://docs.house.gov/meetings/BA/BA00/20251202/118708/HHRG-119-BA00-Wstate-HillT-20251202.pdf
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