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

A State qualified issuer is approved by a State regulator and is not a bank

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

A State qualified issuer is approved by a State regulator and is not a bank

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

“means an entity that-- (A) is legally established under the laws of a State and approved to issue payment stablecoins by a State payment stablecoin regulator; and (B) is not an uninsured national bank chartered by the Comptroller pursuant to title LXII of the Revised Statutes, a Federal branch, an insured depository institution, or a subsidiary of such national bank, Federal branch, or insured depository institution.”

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

Paragraph (31). The entity has to be established under the laws of a State and approved by a State payment stablecoin regulator, and it must not be one of the federally chartered or insured entities the definition lists. Paragraph (30) defines a State payment stablecoin regulator as a State agency with primary regulatory and supervisory authority in that State over entities that issue payment stablecoins. Paragraph (28) counts the District of Columbia and each territory as a State.

What the document actually says

“means an entity that-- (A) is legally established under the laws of a State and approved to issue payment stablecoins by a State payment stablecoin regulator; and (B) is not an uninsured national bank chartered by the Comptroller pursuant to title LXII of the Revised Statutes, a Federal branch, an insured depository institution, or a subsidiary of such national bank, Federal branch, or insured depository institution.”

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

A state can clear a firm to make these coins. The firm must be set up under that state's laws. It must not be a national bank or a bank arm.

What this is about

Each state names an agency for this job. The law calls it a state payment stablecoin regulator. Washington, D.C. and the territories count as states here.

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How to cite this
  1. The document itself

    Guiding and Establishing National Innovation for U.S. Stablecoins Act, Public Law 119-27, sec. 2, 139 Stat. 419 (2025).
    https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm

  2. This page

    “A State qualified issuer is approved by a State regulator and is not a bank,” Guiding and Establishing National Innovation for U.S. Stablecoins Act, section 2, Sec. 2. Read the Mandate, https://readthemandate.org/guiding-establishing-national-innovation-u-s/proposal/sec02-state-qualified-issuer/ (retrieved August 26, 2026).

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