OCC final rule · 12 CFR part 15 · GENIUS Act

Are you ready for the GENIUS Act?

The OCC's final rule implementing the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act sets the requirements for payment stablecoin issuers and custodians under its jurisdiction. Choose your profile, check off what you've already done, then get your readiness score.

January 18, 2027The GENIUS Act and the OCC final rule take effect

Monthly, by noon on the last dayReserve report published, accountant's examination posted, CEO/CFO certification sent

Within 2 business daysMaximum time to redeem payment stablecoins

Within 24 hoursNotify the OCC of redemption requests over 10% in a day, or a capital or backstop shortfall

This checklist is based on the OCC final rule announced on October 21, 2026. Bank Secrecy Act, anti-money-laundering and sanctions requirements will be set in a separate OCC rulemaking, but the Act's own requirements in those areas still apply.

Issuers supervised by other regulators (the Federal Reserve, FDIC, NCUA or a state regulator) will follow those regulators' rules. This page is not legal advice.

1. Who are you?

The checklist only shows the action items that apply to your type of organisation.

We also hold stablecoins, reserves or issuance keys in custody for others Adds the custody requirements in subpart C of the rule.

Critical 3 points Important 2 points Recommended 1 point