Regulators have until July 18, 2026, to turn the GENIUS Act from a statute into access rules for stablecoin issuers that want a clear regulatory path into the US.
That date is the Act’s one-year rulemaking deadline, not a blanket cutoff for users or every restriction on issuers. Public Law 119-27 requires primary federal payment stablecoin regulators, Treasury, and state payment stablecoin regulators to issue implementing regulations through notice-and-comment rulemaking within one year of enactment.
The law’s effective date is separate from this deadline. According to the OCC, the GENIUS Act takes effect on the earlier of two dates: 18 months after its July 18, 2025, enactment, or 120 days after regulators finalize the implementing rules.
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