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Congress gave the agencies one year to write the implementing rules. That deadline was July 18, 2026, and it passed. What follows is every rulemaking we can find, what it decides, and whether its comment window is still open.
The Act takes effect on the earlier of eighteen months after enactment or 120 days after final implementing regulations. No agency has issued a final rule, so the 120-day path has not started and the eighteen-month backstop governs: Jan 18, 2027, 103 days away. A rule finalized from here can no longer pull the date forward, because 120 days from now lands after it.
Comments due Oct 19, 2026 — 12 days left.
Comments due Oct 20, 2026 — 13 days left.
The whole lifecycle for a federally qualified issuer: who may apply, permissible activities, reserve composition, redemption at par, liquidity, risk management, capital, custody, supervision, and wind-down of a failed issuer.
91 FR 10202; OCC Bulletin 2026-3 · primary source
The weekly and quarterly returns themselves. As proposed, PS-01 would be filed every Wednesday by 5:00 PM Eastern through BankNet, per coin, reporting every calendar day, and PS-02 would be quarterly with a signed declaration from the chief financial officer.
91 FR 35795; OCC Bulletin 2026-24 · primary source
The anti-money-laundering and sanctions program an OCC-supervised issuer must run.
OCC Bulletin 2026-28 · primary source
The equivalent prudential regime for an issuer that is a subsidiary of an insured depository institution: reserves, capital, redemption, custody and risk management.
91 FR (2026-06974) · primary source
The FDIC's own versions of the returns, filed through FDICconnect. Notably it adds PS-01a, a short form with three schedules instead of eight, for issuers under $1 billion outstanding and under $100 million average daily volume.
91 FR (2026-14589); OMB 3064-0225 · primary source
The perimeter question: when an issuer needs a licence at all, and when a coin is being offered or sold to a person in the United States. It determines who the rest of the regime applies to.
91 FR (2026-16796) · primary source
Whether an issuer under $10 billion outstanding may stay under state supervision. The Stablecoin Certification Review Committee (Treasury, the Federal Reserve and the FDIC) makes the call.
12 U.S.C. § 5904 · primary source
The credit-union path to becoming a permitted issuer.
NCUA proposals, February and May 2026 · primary source
With no market-structure statute from Congress, the SEC and CFTC are acting by rule and interpretation. These rows never move the GENIUS effective date above. Once one is final and touches stablecoin issuers, GenClara pins it.
Sorts crypto assets into categories and says which are securities. Its stablecoin section: until the GENIUS Act takes effect, issuing and redeeming a covered stablecoin is not a securities offering. Final and in effect; pinned in GenClara word for word.
91 FR 13714; SEC Release No. 33-11412; File No. S7-2026-09 · primary source
Two registration exemptions for crypto-asset offerings ($5 million over four years; $75 million a year) and a conditional safe harbor from "investment contract". Aimed at token offerings, not payment-stablecoin issuers. A proposal, so not pinned.
91 FR 54510; RIN 3235-AN38 · primary source
Each row shows the date a human last checked it against the primary source, and is flagged unverified once that is more than 21 days old. No row is past that today. Rulemaking stage is the thing that changes, so this page tells you when it was read rather than claiming to be live. Every row links to the agency, which is the only authority.
This software records implementation work you type or POST. It is not a law firm, accountant, or regulator. It is not legal advice, a legal opinion, a filing, an approval, an examination, or a statement that anyone complies with any law. Use is AS IS, without warranty. You are solely responsible for what you write and for any conclusion you draw.