occ

​🏛️ US FINALIZES HISTORIC STABLECOIN RULES (GENIUS ACT)

​The Office of the Comptroller of the Currency (OCC) has officially finalized its regulatory framework under the GENIUS Act:

​🔹 Comprehensive Oversight: Sets federal standards for bank and non-bank institutions, foreign issuers, and custodians.

🔹 Yield Restrictions Scrapped: The OCC removed proposed caps and rebuttable presumptions on stablecoin rewards/yields.

🔹 Key Timeline: The new framework takes effect on January 18, 2027.

#EarningsSeason #OCC

Регулятор OCC сьогодні затвердив фінальні правила для емітентів стейблкоїнів за законом GENIUS Act. Вони містять жорсткі вимоги до резервів, порядку погашення та управління ризиками, а діятимуть з 18 січня 2027 року. Для $USDT та $USDC це крок до чітких «правил гри» в США, а для ринку це менше невизначеності щодо стейблкоїнів. Але не всі емітенти однаково швидко відповідатимуть новим вимогам.
Це зміцнить довіру до стейблкоїнів чи, навпаки, збільшить регуляторний тиск? 👇
#GENIUSAct #Stablecoins #OCC

Stablecoins: la OCC fija reglas y fecha de vigencia

El 21 de octubre de 2026, la Oficina del Contralor de la Moneda de EE. UU. anunció su norma final para implementar la ley GENIUS. La norma entrará en vigor el 18 de enero de 2027: anuncio y aplicación son momentos distintos.

El marco establece requisitos sobre reservas, reembolso, gestión de riesgos, auditorías, capital y supervisión. Abarca emisores de stablecoins de pago bajo jurisdicción de la OCC, incluidos determinados emisores extranjeros, y ciertas actividades de custodia de entidades supervisadas.

Hay dos pasos pendientes. La normativa específica sobre prevención del lavado de dinero y sanciones se tramitará por separado con el Tesoro. La recepción de solicitudes también tendrá un anuncio propio, tras la aprobación de los formularios por la Oficina de Gestión y Presupuesto (OMB).

El boletín 2026-51 contempla solicitudes de exención para ciertos emisores existentes con expedientes sustancialmente completos pendientes al llegar la fecha de vigencia. Se evaluarán individualmente; no son permisos automáticos para todos los emisores.

Lectura de mercado: Binance spot, 21/10 a las 22:30 UTC, mostraba USDC en 1,00065 USDT y RLUSD en 1,0008 USDT. Son cotizaciones relativas a USDT. Estar cerca de la paridad no acredita reservas ni autorización regulatoria. La claridad normativa puede facilitar planificación, pero persisten riesgos de custodia, liquidez y cumplimiento.

Fuentes: OCC, comunicado 2026-92 y boletines 2026-50 y 2026-51.

$USDC $RLUSD $USDT

Contenido Educativo. No asesoramiento financiero.

#Stablecoins #GENIUSAct #OCC #RegulacionCripto

EE. UU. fija las reglas del juego para las stablecoins
La #OCC finaliza la normativa de la Ley #GENIUS mientras se reabre el debate por los rendimientos

Hito regulatorio histórico

La Oficina del Contralor de la Moneda (OCC) se ha convertido en el primer organismo regulador en emitir su normativa definitiva bajo la Ley GENIUS (promulgada por el presidente #DonaldTrump ).
El marco regulatorio entrará en vigor el 18 de enero de 2027.

Marco para bancos y empresas: La norma de la OCC crea una vía clara para que tanto bancos como instituciones no bancarias emitan stablecoins de pago autorizadas, estableciendo además directrices sobre custodia de activos e imponiendo exigencias a emisores extranjeros.

Respaldo y transparencia: Para operar, las stablecoins deberán estar totalmente respaldadas por dólares estadounidenses o activos líquidos equivalentes, sometiéndose a auditorías anuales obligatorias.

Flexibilidad en las recompensas/intereses: A diferencia de la propuesta inicial, la versión final eliminó la presunción de ilegalidad en los acuerdos con terceros que ofrecen intereses o recompensas sobre stablecoins. La OCC evaluará estas alianzas caso por caso para prevenir la evasión legal en lugar de aplicar una prohibición generalizada.

Tensión con la banca tradicional: Mientras que la prohibición de que los emisores paguen intereses de forma directa se mantiene, el uso de plataformas de terceros (como Coinbase) para dar recompensas sigue generando alarma en el sector bancario, que teme una fuga de depósitos desde la banca comunitaria hacia activos digitales.
#CryptoNews
$BTC
$BNB
$SOL

🏛️🚨 REGULATORY BREAKING:
OCC Finalizes Historic #genius Act Stablecoin Rules! 📈💵

📊 The U.S. Office of the Comptroller of the Currency (OCC) has officially issued the first final federal framework for payment stablecoins, effective Jan 18, 2027! 🔒🇺🇸

🔑 Key Structural Pillars:

🔹 Strict 1-to-1 reserve backing required (U.S. cash & short-term Treasuries).

🔹 Direct yield ban remains, but the presumption against exchange/fintech rewards programs is removed! Evaluated case-by-case.

🔹 Fully clears regulatory uncertainty, paving the runway for massive institutional adoption.

⚠️ Management Note:
This institutionalizes the stablecoin rails. Smart Money will now move with full legal backing.
Sit tight on your cash reserves.

#Stablecoins #GENIUSAct #OCC #crypto Regulation #USDC #USDT

$BTC
$ETH
$LINK

America's stablecoin rulebook has its first finished chapter.

The OCC issued its final rule implementing the GENIUS Act on Wednesday — the first federal regulator to finalize stablecoin rules under the law, effective January 18, 2027. The framework sets standards for reserve backing, redemption, risk management, audits, custody, and capital for issuers under OCC oversight, including foreign issuers.

Two softenings from the February proposal: the agency dropped the presumption that affiliate-passed payments violate the yield ban (case-by-case now), and cut the automatic seven-day redemption extension — issuers must request it when daily redemptions top 10% of issuance. Two-business-day redemptions stand; $5M capital floor applies. AML and sanctions come later in a separate Treasury rulemaking.

The unresolved edge: existing exchange rewards programs get no safe harbor — the OCC says it won't presume pre-GENIUS programs comply, so they face the same case-by-case test. With CLARITY stalled, this is the only federal stablecoin framework moving, so issuers know the bar and the licensing queue can form.

Does the $5M floor keep the field open, or does compliance become the moat? DYOR.

#CryptoNews #Stablecoins #GENIUSAct #OCC

金融科技公司Ramp已向美国货币监理署（OCC）提交申请，拟设立Ramp National Trust Bank。若申请获批，该信托银行将提供受托投资管理及数字资产托管服务，但不吸收存款，也不发放商业贷款。今年以来，Revolut、Crypto.com等公司已获得OCC不同类型牌照的有条件批准。彭博此前报道称，Ramp在新一轮融资中估值600亿美元，年化收入增至20亿美元。

#RAMP #OCC #数字资产托管

金融科技 Ramp 向美国 OCC 申请信托银行牌照，拟设 Ramp National Trust Bank，做受托投资与数字资产托管，不吸储也不放贷。牌照叙事从「发稳定币」扩到「能托管的受监管壳」——合规入口越来越细，谁先拿到谁先接机构。#Ramp #OCC #托管

🇺🇸 U.S. OCC Expects GENIUS Act Stablecoin Rules by Late October

U.S. Comptroller of the Currency Jonathan Gould expects the OCC's final implementing rules for the GENIUS Act to be announced before the end of October, marking another step toward a regulated stablecoin market.

Speaking at a Milken Institute event during DC Fintech Week, Gould highlighted the approaching regulatory milestone as the U.S. moves to establish a clearer framework for payment stablecoins.

The GENIUS Act aims to establish federal standards for stablecoin issuers, including reserve backing, redemption requirements and regulatory oversight. The upcoming OCC rules could provide greater operational clarity for banks and other eligible issuers preparing to enter the market.

The bigger picture: U.S. stablecoin regulation is moving from legislation toward implementation — laying the groundwork for institutional adoption, onchain payments and the broader RWA ecosystem.

#OCC

美国货币监理署（OCC）发布一份 47 页报告，确认 2020 至 2025 年间全美 9 家最大银行对加密企业和创始人存在"去银行化"行为。报告披露，监管方审查了 10 万份相关投诉，发现包括摩根大通、美国银行、花旗银行在内的银行基于政治立场和声誉考量限制账户，而非客观的金融风险；加密行业是受影响的六大行业之一。OCC 署长 Jonathan Gould 表示，正致力于终结"政治化去银行化"，银行准入应基于金融风险而非政治立场。加密风投机构 Castle Island 创始人 Nic Carter 称这份报告证实了"Chokepoint 2.0"真实存在，Bitwise 首席投资官 Matt Hougan 则批其"可耻且危险"。

（来源：AMBCrypto）

⚠️风险提示：以上为市场信息分享，不构成投资建议；投资有风险，入市需谨慎。

#去银行化 #OCC #加密监管

【美国银行对加密资产松绑！华尔街和加密的关系要变了？🔥】

📲 加入X先生的粉丝群聊跟进行情

美国银行监管机构又向加密行业释放了一个积极信号。

美国货币监理署（OCC）此前明确表示，受监管的银行可以在符合相关要求的前提下，开展加密资产托管、部分稳定币业务，以及参与区块链节点验证等活动。与此同时，监管机构也取消了部分额外的事前审批要求。

简单说，以前银行想开展某些加密业务，需要面对额外的监管程序；现在，部分业务的准入流程变得更加灵活。

但这不代表银行可以随便买卖加密资产，也不意味着监管全面放开。银行依然需要做好风险管理，并遵守现有法律和监管要求。

问题来了，这对BTC和整个加密市场意味着什么？

关键在于传统金融与加密行业之间的连接，可能进一步加深。

🏦 银行可以为客户提供更多加密资产托管服务。

💵 稳定币相关业务可能获得更多传统金融机构参与。

🔗 区块链基础设施也有机会与传统银行体系进一步融合。

如果更多银行愿意提供相关服务，机构和企业进入加密市场的渠道就可能增加。但监管放松不等于资金必然流入，最终还要看银行的实际业务布局和客户需求。

📌 真正值得关注的，不只是美国监管是否松绑，而是银行会不会把这些权限转化为真实业务，以及新增的金融渠道能否带来更多机构资金。
#OCC

OCC Ký Lệnh Debanking Crypto Sector - Operation Chokepoint 2.0

- OCC xác nhận các ngân hàng dưới sự giám sát đã tách khỏi ngành tiền điện tử
- Đây là phần của Operation Chokepoint 2.0 do chính quyền Biden điều hành
- Các ngân hàng áp dụng chính sách cản trở dịch vụ tài chính cho crypto
#BinanceSquare #CryptoNews #OCC #OperationChokepoint #Web3

$btc $eth

vlikevn Titanbot

Nguồn: CoinGape

📰 American Express fined $350M for decade of suspected money laundering
American Express agreed to pay $350M to the OCC after allegedly processing billions of dollars in trade-based money laundering. The post American Express fined $350M for decade of suspected money laundering appeared first on Protos.
Source : Protos
Time : 2026-10-09 16:50:20
Credit : bennett tomlin
#stocks #occ #federal_reserve #money_laundering #american_express
$NEAR

稳定币支付公司 Rain 正在向美国货币监理署（OCC）申请国家信托银行牌照，若获批将成为第 12 家拿下该牌照的加密公司。拟建的信托银行可托管数字资产与美元、管理稳定币储备，并直接发行和赎回美元支持的代币，从而降低对第三方银行的依赖。消息传出之际，社区银行群体正对加密公司密集申牌表达反对。#稳定币 #美国监管 #OCC（来源：CoinDesk）

Tired of relying on legacy banks that can choke off liquidity at a moment's notice? Rain is taking matters into its own hands. The crypto firm is officially gunning for an OCC national trust bank charter to cut out third-party banking middlemen entirely. It is a bold play to secure direct access to the federal payment system. 🏛️

This makes Rain the 12th crypto player to knock on the OCC's door for a trust charter. Traditional community banks are already pushing back hard, terrified of losing their gatekeeper status. But for crypto, securing native banking rails is the ultimate survival move. ⚡

Keep your eyes on this battle. If Rain pulls this off, the playbook for crypto-fiat rails changes forever. Watch how $BTC and major liquidity pairs react as the regulatory landscape shifts. 📈

#Write2Earn #CryptoRegulation #Banking #OCC

Rain xin giấy phép ngân hàng ủy thác Mỹ, ngay sau vụ kiện OCC

- Rain đang tìm kiếm giấy phép ngân hàng ủy thác liên bang tại Mỹ.
- Động thái này diễn ra chỉ vài ngày sau khi OCC bị kiện liên quan đến các quy định cấp phép cho công ty crypto.
- Rain gia nhập danh sách ngày càng dài các công ty crypto xin giấy phép ủy thác liên bang.
- Các ngân hàng cộng đồng vừa yêu cầu tòa án lật ngược các quy định của OCC làm cơ sở cho việc cấp phép này.
- Nguồn RSS chưa cung cấp thêm chi tiết về vụ kiện hoặc tiến trình xin phép của Rain.

#CryptoNews #BinanceSquare #OCC #Rain

$btc $eth

#vlikevn Titanbot

Nguồn: CoinTelegraph

Traditional banking institutions are fighting hard to block the OCC from granting federal charters to crypto firms, but advocacy groups are pushing right back. This turf war highlights how traditional finance feels threatened by regulated digital assets entering the mainstream. If crypto companies successfully secure these charters, it paves the way for deeper integration and institutional legitimacy. The regulatory battle lines are clearly drawn, and the outcome will shape the future of banking. #CryptoRegulation #Banking #OCC

⚖️ دعوى قضائية ضد OCC بشأن تراخيص بنوك الائتمان للعملات المشفرة

رفعت جمعية المصرفيين المجتمعيين المستقلين دعوى قضائية ضد مكتب مراقب العملة (OCC) في الولايات المتحدة. تتحدى الدعوى سلطة OCC في إصدار تراخيص بنوك ائتمان وطنية لشركات العملات المشفرة، مدعية أن هذه الموافقات تتجاوز لوائح رئيسية وحماية المستهلك.

━━━━━━━━━━━━━━
📊 التأثير: 📈 مرتفع
🏷️ REGULATION

#Regulation #Crypto #OCC #Banking

📰 المصدر: dailyhodl.com