FDIC Officially Acts: U.S. Stablecoin Regulatory Framework Implemented, Bank Subsidiaries Allowed to Issue Coins with Clear Guidelines

2025-12-16 17:06:12

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【CoinPush】U.S. financial regulation takes a new step. The Federal Deposit Insurance Corporation (FDIC) has just approved a proposal for stablecoin rules, opening a pathway for commercial banks to issue stablecoins through subsidiaries. This regulatory framework is now in a 60-day public consultation phase, where all market participants can submit their opinions.

This move is significant—it is the first formal rulemaking action since the approval of the 《GENIUS Act》 (U.S. Stablecoin Innovation Act). In other words, after the broad legal direction was established, regulators are now refining implementation standards to clarify how banks can participate in stablecoin activities in a compliant manner. In short, the U.S. is integrating stablecoins into the traditional financial regulatory system rather than remaining in a gray area.

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RiddleMaster

· 12-19 14:17

Finally no more hiding? Banks entering stablecoins, now it's really entering the system Things are getting serious on the US side, the gray area is about to disappear FDIC's move is a signal, traditional finance is officially rushing to grab this cake It sounds compliant, but in reality, how they will restrict it is still uncertain... Wait, what can be changed during the 60-day comment period? Feels like just going through the motions Will bank-led stablecoins still have that Web3 flavor? Retail investors should be worried now, the trend towards centralization is getting closer

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PriceOracleFairy

· 12-18 00:28

yo finally the infrastructure catching up to reality... 60 days of public comment though? that's where the real arbitrage happens, not in the spreads lmaooo

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RadioShackKnight

· 12-16 17:36

Wait, is it really happening? Does the US bank subsidiary now have a compliant channel to issue stablecoins? The gray area is finally coming to an end. Honestly, this wave should be good for the ecosystem in the long run. Will the 60-day consultation period be messed up again by some people? The real key still depends on how the detailed rules are written and whether they can truly give project teams some breathing room. Traditional finance is entering like this, what's the next step?

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DAOdreamer

· 12-16 17:33

Haha, finally getting serious. The Americans are no longer pretending and are directly tackling stablecoins. By the way, can this really get banks involved? Or will there be new tricks up their sleeves again? It feels like the gray areas are gradually disappearing... a bit excited, a bit nervous. The GENIUS Act was implemented quite quickly after it was passed, this pace is interesting. But with 60 days of public consultation, will there be any surprises then? Basically, they just want to integrate Web3 into the traditional system. Whether it's good or bad depends on the details. Why make it so complicated? Just say whether they can issue it or not. The competition in the stablecoin space is fierce. Let's see how major banks respond.

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NightAirdropper

· 12-16 17:29

Damn, is it really happening now? The banks can finally openly engage in stablecoins. As for compliance... it's actually a matter of time. The gray area won't last long. The 60-day consultation period is probably going to be another big show, with various capital forces getting involved. This move by the US is definitely a big chess game. Traditional finance embracing on-chain assets is quite interesting. But honestly, the ones who will ultimately benefit are the big banks. Small investors are just along for the ride. It seems the future of stablecoins really depends on the backing of the financial system... which is a bit unfortunate. Don't celebrate too early. Once the rules are out, the thresholds will probably be extremely high.

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