Understanding the Law

THE GENIUS ACT

The first comprehensive federal framework for stablecoin regulation in the United States.

137
days since signed into law
Key Dates

Implementation Timeline

July 18, 2025

Signed into Law

The GENIUS Act is signed into law, establishing the first comprehensive federal framework for stablecoin regulation.

November 2025

Regulatory Rulemaking

120 days after enactment for regulators to issue final rules implementing the GENIUS Act provisions.

January 18, 2027

Act Takes Effect

18 months after signing. Stablecoin issuers must comply with reserve, disclosure, and operational requirements.

July 18, 2028

Provider Compliance

3 years after signing. All payment stablecoin providers must only handle coins from GENIUS Act-approved issuers.

Audio Overview

Listen to the GENIUS Act Explained

A NotebookLM-generated podcast overview breaking down what the GENIUS Act means for stablecoins, banks, and the future of payments.

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Read Across the Nation About the GENIUS Act

Partner & Industry Perspectives

February 9, 2026
Regulatory Update

CFTC Expands Stablecoin Framework: National Trust Banks Authorized to Issue Dollar-Pegged Tokens

The CFTC revises guidance to authorize national trust banks as permitted stablecoin issuers, expanding institutional access under the GENIUS Act.

Stablecoin Insider
January 6, 2026
Legal Analysis

FDIC Unveils Application Process for Permitted Payment Stablecoin Issuer Subsidiaries

Banks seeking to establish subsidiaries as stablecoin issuers under the GENIUS Act must submit comprehensive documentation covering stablecoin features, financial projections, governance, compliance policies, and more.

FBT Gibbons
August 6, 2025
FAQ

GENIUS Act FAQs for Credit Unions

What does the GENIUS Act mean for your credit union? This breaks down the new law that lets co-ops issue stablecoins.

America's Credit Unions
July 22, 2025
Legal Analysis

The GENIUS Act: A Comprehensive Guide to U.S. Stablecoin Regulation

A comprehensive guide to U.S. stablecoin regulation under the GENIUS Act.

Paul Hastings
July 21, 2025
Industry Statement

ABA Statement on GENIUS Act House Passage

Banks and lawmakers agree that the GENIUS Act could be the blueprint that makes stablecoins safe, legal, and mainstream.

American Bankers Association