FDIC Proposes New Regulations, Stablecoins Excluded from Deposit Insurance

2026-04-08 08:15:42

On April 8, CoinDesk reported that the Federal Deposit Insurance Corporation (FDIC) of the United States has officially proposed a regulatory framework for stablecoin issuers. As one of the federal financial regulatory agencies responsible for developing and overseeing rules under the GENIUS Act passed last year, the FDIC is advancing the implementation of this framework. The proposal aims to align closely with the plan put forth by its ‘sister agency’ — the Office of the Comptroller of the Currency (OCC) — in February of this year. The FDIC’s proposal includes 144 questions and will open a 60-day public comment period. According to the proposal, stablecoins will not be eligible for deposit insurance protection like traditional bank deposits.

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