OCC releases final rule for payment stablecoins under the GENIUS Act

The federal framework sets 1:1 reserve requirements, two-day redemptions and a ban on direct interest payments for stablecoin issuers The US Treasury has released a final rule implementing the GENIUS Act, putting a federal framework around payment stablecoins. The detailed version comes from the Office of the Comptroller of the Currency (OCC), which finalized its rule on October 21, 2026. It sets federal standards for payment stablecoin issuers that fall under the OCC’s jurisdiction. The rule takes effect on January 18, 2027. That is the same day the GENIUS Act itself becomes effective, so the law and the rulebook arrive together. The statute’s full name is the Guiding and Establishing National Innovation for U.S. Stablecoins Act.

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