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Guiding and Establishing National Innovation for U.S. Stablecoins ActSection 2 › Proposal

The primary Federal payment stablecoin regulator depends on the issuer's form

To provide for the regulation of payment stablecoins, and for other purposes, section 2, Sec. 2. Written by .

The primary Federal payment stablecoin regulator depends on the issuer's form

The document says “meansWho acts: CongressHow: statuteSec. 2 in the PDF
What the document says

“(A) with respect to a subsidiary of an insured depository institution (other than an insured credit union), the appropriate Federal banking agency of such insured depository institution; (B) with respect to an insured credit union or a subsidiary of an insured credit union, the National Credit Union Administration; (C) with respect to a State chartered depository institution not specified under subparagraph (A), the Corporation, the Comptroller, or the Board”

To provide for the regulation of payment stablecoins, and for other purposes, Sec. 2

Paragraph (25). Which agency is the primary Federal payment stablecoin regulator depends on the form of the issuer. For a subsidiary of an insured depository institution other than a credit union it is that institution's appropriate Federal banking agency. For an insured credit union or its subsidiary it is the National Credit Union Administration. For a State chartered depository institution not covered by the first case it is the Federal Deposit Insurance Corporation, the Comptroller or the Federal Reserve Board. For a Federal qualified payment stablecoin issuer it is the Comptroller.

What the document actually says

“(A) with respect to a subsidiary of an insured depository institution (other than an insured credit union), the appropriate Federal banking agency of such insured depository institution; (B) with respect to an insured credit union or a subsidiary of an insured credit union, the National Credit Union Administration; (C) with respect to a State chartered depository institution not specified under subparagraph (A), the Corporation, the Comptroller, or the Board”

To provide for the regulation of payment stablecoins, and for other purposes, Sec. 2
That sentence, in plain words

Each kind of coin maker has its own federal watchdog. A bank arm keeps the bank's watchdog. A credit union has its own one. A state bank has one of three.

What this is about

The law gives each body a short name. The Board is the Fed. The Corporation is the FDIC. The last one is an office in the Treasury.

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