# FDIC proposes approval procedures for bank-subsidiary stablecoin issuance

> The FDIC proposed application and approval procedures for FDIC-supervised banks and savings associations seeking to issue payment stablecoins through subsidiaries under the GENIUS Act.

- URL: https://riadefi.com/regulation/2025-12-19-fdic-stablecoin-subsidiary-approval-proposal/
- Posture: Proposal · not in effect
- Authorities: Federal Deposit Insurance Corporation
- Event date: 2025-12-19
- Version: 1, published 2026-08-07 (first published 2026-08-07)
- Advisor-relevant: yes

This entry records a proposal. It does not change the law unless it is adopted.

## What changed

The FDIC proposed application and approval procedures for FDIC-supervised banks and savings associations seeking to issue payment stablecoins through subsidiaries under the GENIUS Act.

## Who it affects

- FDIC-supervised institutions, stablecoin subsidiaries, reserve custodians, investment advisers, and clients

## What is still open

- Final approval criteria, timing, conditions, and interaction with later prudential standards

## What it means for an advisor

- Map proposed application, governance, capital, liquidity, reserve, operational, and supervisory requirements when diligencing bank-issued stablecoins.

## Sources

1. [FDIC proposes approval procedures for bank-subsidiary stablecoin issuance](https://www.govinfo.gov/content/pkg/FR-2025-12-19/pdf/2025-23510.pdf) · Federal Deposit Insurance Corporation · 2025-12-19


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Published by Ketju Research on RIADeFi (https://riadefi.com). Educational research for financial professionals; not investment, legal, tax, or compliance advice.