Travis Hill, Acting Chair of the FDIC, announced a forthcoming stablecoin legislative framework scheduled for release by the end of December 2025 in Washington, D.C.
The framework seeks to regulate stablecoin issuers affiliated with banks, impacting major cryptocurrencies and the broader financial market by enforcing capital, liquidity, and reserve requirements.
The Federal Deposit Insurance Corporation (FDIC) is preparing to release a new stablecoin legislative framework this December. This development follows the enactment of the GENIUS Act in July 2025.
Travis Hill, the FDIC’s Acting Chair, has spearheaded the effort. The framework will clarify the licensing process for bank-regulated stablecoin issuers, impacting USDC and similar stablecoins. Hill has emphasized the framework’s importance, stating:
“This is the first federal legislative framework for stablecoins, assigning clear supervisory roles to the FDIC, Federal Reserve, OCC, and others to ensure stability in the market.”
FDIC Prepares December Stablecoin Framework Release
This framework could significantly influence stablecoin issuers and their regulatory compliance costs. Affected entities are observing potential changes closely, given their importance in the broader cryptocurrency market.
This regulatory step may enhance market stability by enforcing capital requirements and liquidity standards. Prior efforts, like New York’s BitLicense, were fragmented, but the GENIUS Act aims for uniformity.
Regulatory Compliance Costs Anticipated to Rise
Before the GENIUS Act, the U.S. lacked federal stablecoin regulation, relying instead on state-level laws. The Act’s introduction marks a pivotal change in the regulatory landscape.
Experts suggest that increased federal oversight might stabilize markets by preventing crises like TerraUSD’s collapse. The FDIC’s credibility could bolster confidence in regulated stablecoins. Travis Hill has previously remarked:
“We recognize the importance of establishing capital requirements and liquidity standards for stablecoin issuers to enhance stability and confidence in the financial system.”
GENIUS Act Marks Shift from State to Federal Rules
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