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<div class="key-points-section">
 <b>Key Points:</b>
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  <li>FDIC approves stablecoin regulation rules amid ongoing industry developments.</li>
  <li>Public comments invited as part of the process.</li>
  <li>Implementation aligns with federal GENIUS Act guidelines.</li>
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<p>On December 17th, the FDIC approved a proposed rulemaking notice for payment stablecoins, following the GENIUS Act signed by President Trump this summer.</p>
<p>This move signals a significant step towards standardizing stablecoin regulation, potentially impacting future cryptocurrency banking interactions but not current market conditions.</p>
<h2 id="fdic-sets-regulatory-agenda-for-stablecoins">FDIC Sets Regulatory Agenda for Stablecoins</h2>
<p><strong>The FDIC's proposed rulemaking</strong> sets a formal application process for banks issuing payment stablecoins via subsidiaries. This process, aiming to ensure security and minimize regulatory burden, requires applicants to define the scope of activities and ownership structures, as outlined by <a href="https://www.fdic.gov/board/federal-register-notice-approval-requirements-issuance-payment-stablecoins-subsidiaries-fdic-supervised" rel="noopener noreferrer nofollow">FDIC legal counsel Nicholas Simons</a>. "In summary, the proposed rule will enable the FDIC to assess the security and robustness of proposed payment stablecoin activities while minimizing the regulatory burden on applicants."</p>
<p><strong>The introduction of these rules</strong> aligns with the <strong><a href="https://coincu.com/news/genius-act-stablecoin-regulations/" rel="noopener noreferrer nofollow">GENIUS Act</a></strong>, which was vital in shaping this regulatory framework. Approved banks must adhere to forthcoming criteria on capital, liquidity, and risk management, highlighting the FDIC's commitment to safeguarding emerging financial technologies.</p>
<p><strong>Industry responses have been varied,</strong> with stakeholders eager for clarity on the final regulations. FDIC Acting Chairman Travis Hill emphasized the agency's dedication to a secure and robust market via these policies, although no significant market shifts have occurred since the announcement.</p>
<h2 id="genius-act-s-role-in-shaping-current-rules">GENIUS Act's Role in Shaping Current Rules</h2>
<p><strong>Did you know?</strong> The GENIUS Act, enacted to streamline stablecoin regulation, reflects efforts to create a cohesive federal approach, mirroring past attempts to regulate financial innovations like digital securities.</p>
<p>Bitcoin's current price stands at $87,708.83, maintaining a market cap of $1.75 trillion and commanding a 58.80% market dominance. Recent price trends show a 1.52% increase over 24 hours, contrasting with a 25.02% decline over the past 90 days, based on CoinMarketCap data.</p>
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 <a href="https://coincu.com/wp-content/uploads/2025/12/Bitcoin-daily-chart-on-2312-UTC-on-December-16-2025file.jpeg" rel="noopener noreferrer nofollow"> <img src="https://coincu.com/wp-content/uploads/2025/12/Bitcoin-daily-chart-on-2312-UTC-on-December-16-2025file.jpeg" alt="bitcoin-daily-chart-5065" class="wp-image-383887"> </a>
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  Bitcoin(BTC), daily chart, screenshot on CoinMarketCap at 23:12 UTC on December 16, 2025. <em>Source: <a href="https://coinmarketcap.com/currencies/bitcoin/" rel="noopener noreferrer nofollow">CoinMarketCap</a></em>
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<p><strong>Coincu researchers suggest</strong> that the FDIC's initiatives may influence future investment and regulatory attitudes towards stablecoins, potentially driving innovation while ensuring regulatory frameworks safeguard stability. Such measures are <strong><a href="https://coincu.com/news/china-stablecoins-halt-digital-yuan/" rel="noopener noreferrer nofollow">deemed vital</a></strong> for integrating stablecoins into traditional financial systems.</p>
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    <td><em><strong>DISCLAIMER</strong>:&nbsp;The information on<a href="https://coincu.com/" rel="noopener noreferrer nofollow"> this website</a> is provided as general market commentary and does not constitute investment advice. We encourage you to do your own research before investing.</em></td>
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</figure> <a href="https://coincu.com/uncategorized/stablecoin-regulation-fdic-rules/" rel="noopener noreferrer nofollow">Read original article on coincu.com</a>

FDIC Moves Forward with Stablecoin Regulation

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