# OCC projects a November final rule for supervised payment-stablecoin issuers

> Comptroller Jonathan Gould stated that the OCC expects to issue its final GENIUS Act rule by November 2026.

- URL: https://riadefi.com/regulation/2026-03-02-occ-genius-stablecoin-issuance-proposal/
- Posture: Official signal · nonbinding
- Authorities: Office of the Comptroller of the Currency
- Event date: 2026-08-19
- Version: 2, published 2026-08-26 (first published 2026-08-07)
- Advisor-relevant: no

This entry records an official signal, such as a speech or a statement. It does not change the law.

## What changed

Comptroller Jonathan Gould stated that the OCC expects to issue its final GENIUS Act rule by November 2026. He also reported that 23 of 40 recent national-bank charter applications include some form of digital-asset activity and described stablecoin integration as increasingly ordinary in the OCC's applicant pipeline. The remarks are an official timing and supervisory signal; they do not adopt or make the pending rule effective.

## Who it affects

- National banks and federal savings associations evaluating payment-stablecoin activity
- Nonbank applicants seeking OCC-supervised payment-stablecoin issuer status or bank charters
- Advisers, custodians, and clients evaluating OCC-supervised stablecoin structures

## What is still open

- Whether the OCC will meet the stated November target
- The final eligibility, licensing, reserve, capital, liquidity, redemption, governance, reporting, enforcement, and transition provisions
- How the final OCC rule will coordinate with Treasury and other regulators' GENIUS Act rules

## What it means for an advisor

- Track the OCC rulemaking for a final release rather than treating the November target as an effective date
- For proposed OCC-supervised stablecoin exposure, distinguish pending applicants from approved issuers and document the limits of current authorization
- Prepare to reassess issuer due diligence, reserve custody, redemption, disclosures, and counterparty controls when final text is issued

## Previous interpretation

The OCC's March 2 proposal remained pending without an agency-stated month for issuance of the final rule.

## Sources

1. [Comptroller Gould Discusses Digital Asset Innovation, GENIUS Next Steps](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-69.html) · Office of the Comptroller of the Currency · 2026-08-19


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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.