Key Points
- •Federal Reserve President supports the stability of regulated stablecoins.
- •Stablecoins excluded from SEC oversight by GENIUS Act.
- •OCC anticipated to regulate non-bank stablecoin issuers.
On September 30, Federal Reserve President John C. Williams asserted that well‑regulated stablecoins pose no significant risk, anticipating OCC regulation for non‑bank stablecoin issuers.
This regulatory shift promises increased legitimacy and potential institutional investment in U.S. stablecoins, fostering confidence and reshaping crypto markets under the GENIUS Act's framework.
Federal Reserve Advocates for Regulatory Oversight of Stablecoins
Federal Reserve President John C. Williams has emphasized that “properly regulated stablecoins do not pose a systemic risk.” This aligns with expectations of the Office of the Comptroller of the Currency taking charge in regulating non‑bank stablecoin issuers. The context of Williams’ statement interlinks with active regulatory discussions.
The GENIUS Act, enacted in July 2025, has redefined the regulatory framework for stablecoins, requiring them to be backed by high‑quality assets. This regulatory shift is anticipated to attract substantial institutional investments, necessitating a strong reserve configuration by stablecoin issuers.
Market reactions showed optimism, with experts highlighting reduced reputational risks for banks engaging with these digital assets. Statements from financial leaders imply a positive stance towards regulated stablecoin integration in mainstream finance.
GENIUS Act Spurs Institutional Confidence in Stablecoins
Did you know? The GENIUS Act, enacted in 2025, excludes stablecoins from the SEC's regulatory scope, which marks a significant shift from earlier approaches, ensuring more specialized oversight.
According to CoinMarketCap, Tether USDt (USDT) is priced at $1.00 with a market cap of $174.47 billion. The 24‑hour trading volume stands at $152.72 billion, reflecting an 89.19 % change. Recent price movements show a 5.33 % increase over 30 days, underlining stablecoin growth.
Experts from the Coincu research team forecast that the current regulatory clarity will bolster institutional confidence, resulting in increased liquidity and investment in stablecoins. U.S.-regulated stablecoins' encapsulation from SEC oversight may lead to expansive market development under OCC regulation.