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Guiding and Establishing National Innovation for U.S. Stablecoins ActSection 4 › Proposal

Reserve assets do not count against a savings association's thrift lender test

To provide for the regulation of payment stablecoins, and for other purposes, section 4, Sec. 4. Written by .

Reserve assets do not count against a savings association's thrift lender test

The document says “shall notWho acts: CongressHow: statuteSec. 4 in the PDF
What the document says

“A Federal savings association established under the Home Owners' Loan Act (12 U.S.C. 1461 et seq.) that holds a reserve that satisfies the requirements of section 4(a)(1) shall not be required to satisfy the qualified thrift lender test under section 10(m) of the Home Owners' Loan Act (12 U.S.C. 1467a(m)) with respect to such reserve assets.”

To provide for the regulation of payment stablecoins, and for other purposes, Sec. 4

Subsection (g). The relief is limited to the reserve assets themselves. What the qualified thrift lender test requires is not recorded here, because the Home Owners' Loan Act is not indexed on this site.

What the document actually says

“A Federal savings association established under the Home Owners' Loan Act (12 U.S.C. 1461 et seq.) that holds a reserve that satisfies the requirements of section 4(a)(1) shall not be required to satisfy the qualified thrift lender test under section 10(m) of the Home Owners' Loan Act (12 U.S.C. 1467a(m)) with respect to such reserve assets.”

To provide for the regulation of payment stablecoins, and for other purposes, Sec. 4
That sentence, in plain words

A federal savings bank may hold backing for these coins. It does not have to meet one older test on those assets.

What this is about

The older test is in a law from the 1930s. That law is not part of this site. So what the test asks for is not recorded here.

No action is recorded against this proposal. That is not evidence that none has been taken, and nobody has yet read it against the record. See what the tracker does not yet cover.

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