- Stablecoin issuers will face ongoing OCC supervision, including full-scope examinations at least once every 12 months for most significant issuers, as well as confidential weekly reserve and activity reporting and quarterly financial reporting.
- Reserve requirements provide issuers some additional flexibility while maintaining strict liquidity standards. The final rule lowers the minimum daily liquidity requirement from 10% in the proposal to 5%, but limits reserves to specified eligible assets and requires issuers to demonstrate that they can access and monetize those reserves under normal and adverse conditions.
- Issuers face significant operational and capital requirements beyond obtaining a license. The rule generally requires redemptions within two business days, establishes an ongoing $5 million minimum capital floor and requires an operational backstop equal to 12 months of total expenses.
Article
OCC Finalizes Stablecoin Rules That Supervise Issuers Like Banks
Forbes
Written by A.J. S. Dhaliwal
October 23, 2026Estimated Read Time: 1 min
Key Takeaways
In his Forbes article, “OCC Finalizes Stablecoin Rules That Supervise Issuers Like Banks”, A.J. Dhaliwal examines the Office of the Comptroller of the Currency’s final rule implementing the GENIUS Act and the new regulatory framework for payment stablecoin issuers. He explains how the rule moves beyond licensing to impose bank-like supervisory requirements, including examinations, reserve and reporting obligations, redemption standards and minimum capital requirements.
Read more here.