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Guiding and Establishing National Innovation for U.S. Stablecoins ActSection 5 › Proposal

Each Federal regulator must receive applications and build a licensing framework

To provide for the regulation of payment stablecoins, and for other purposes, section 5, Sec. 5. Written by .

Each Federal regulator must receive applications and build a licensing framework

The document says “shallWho acts: primary Federal payment stablecoin regulatorsHow: statuteSec. 5 in the PDF
What the document says

“receive, review, and consider for approval applications from any insured depository institution that seeks to issue payment stablecoins through a subsidiary and any nonbank entity, Federal branch, or uninsured national bank that is chartered by the Comptroller pursuant to title LXII of the Revised Statutes, and that seeks to issue payment stablecoins as a Federal qualified payment stablecoin issuer”

To provide for the regulation of payment stablecoins, and for other purposes, Sec. 5

Subsection (a)(1). Alongside the duty to take applications, subparagraph (B) requires each regulator to establish a process and framework for the licensing, regulation, examination and supervision of these entities that prioritizes their safety and soundness. Under paragraph (3), a regulator that receives a substantially complete application must evaluate it and make a determination on the criteria established under the Act.

What the document actually says

“receive, review, and consider for approval applications from any insured depository institution that seeks to issue payment stablecoins through a subsidiary and any nonbank entity, Federal branch, or uninsured national bank that is chartered by the Comptroller pursuant to title LXII of the Revised Statutes, and that seeks to issue payment stablecoins as a Federal qualified payment stablecoin issuer”

To provide for the regulation of payment stablecoins, and for other purposes, Sec. 5
That sentence, in plain words

Each federal watchdog must take in requests. It must read them. It must weigh them for approval. Banks and other firms may all apply.

What this is about

A bank applies for an arm that will make coins. Firms that are not banks apply for themselves. Each watchdog must set up a way to handle this work.

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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How to cite this
  1. The document itself

    Guiding and Establishing National Innovation for U.S. Stablecoins Act, Public Law 119-27, sec. 5, 139 Stat. 439 (2025).
    https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm

  2. This page

    “Each Federal regulator must receive applications and build a licensing framework,” Guiding and Establishing National Innovation for U.S. Stablecoins Act, section 5, Sec. 5. Read the Mandate, https://readthemandate.org/guiding-establishing-national-innovation-u-s/proposal/sec05-receive-and-consider-applications/ (retrieved August 26, 2026).

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