# FDIC proposes GENIUS Act standards and reserve treatment for supervised stablecoin issuers

> The FDIC proposed approval and operating standards for FDIC-supervised permitted payment stablecoin issuers, treatment of reserve deposits, and tokenized-deposit distinctions, then separately proposed BSA and sanctions standards.

- URL: https://riadefi.com/regulation/2026-04-10-fdic-genius-act-stablecoin-issuer-standards/
- Posture: Proposal · not in effect
- Authorities: Federal Deposit Insurance Corporation
- Event date: 2026-04-10
- 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 approval and operating standards for FDIC-supervised permitted payment stablecoin issuers, treatment of reserve deposits, and tokenized-deposit distinctions, then separately proposed BSA and sanctions standards.

## Who it affects

- FDIC-supervised banks, their stablecoin subsidiaries, and advisers evaluating their products

## What is still open

- The final approval, reserve, capital, liquidity, and compliance standards

## What it means for an advisor

- Track issuer authorization and reserve representations in product and counterparty diligence.

## Sources

1. [GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institutions](https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06974.pdf) · Federal Deposit Insurance Corporation · 2026-04-10
2. [FDIC proposes AML and sanctions standards for supervised stablecoin issuers](https://www.govinfo.gov/content/pkg/FR-2026-06-05/pdf/2026-11342.pdf) · Federal Deposit Insurance Corporation · 2026-06-05


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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.