4.8 Regulation FDIC提出银行通过子公司发行支付型稳定币的监管框架，要求全额储备、审计及明确申请流程，旨在安全整合稳定币至金融体系。
美国联邦存款保险公司（FDIC）根据GENIUS法案，推进了针对银行发行支付型稳定币的监管框架。该提案要求银行在通过专属子公司发行稳定币前，需申请授权，并详细说明其财务、结构和运营信息。FDIC将依据财务稳健性、管理能力和合规性评估申请，设有明确的审核时限及申诉流程。GENIUS法案规定，稳定币必须以美元或等值高流动性资产全额储备，大型发行方需每年接受审计，并满足资本、流动性和风险管理等额外要求。FDIC已开启公众意见征集期，旨在收集行业反馈，安全地将稳定币纳入传统金融体系，促进创新并降低风险。该提案还为早期申请者设立临时安全港，并对州银行和非成员银行制定了具体规则，确保监管清晰和消费者保护。
FDIC Proposes Rules for Bank-Issued Payment Stablecoins Under GENIUS Act
US banks could soon issue stablecoins under FDIC plan to implement GENIUS Act
FDIC Moves Forward with Stablecoin Regulation Implementation
The FDIC moves forward with a federal regulatory framework for stablecoins in the U.S.
FDIC Moves GENIUS Act From Law to Practice With Stablecoin Rules
The FDIC has approved a proposal establishing the application process allowing banks to issue stablecoins under the GENIUS Act.
FDIC Introduces Application Process for Stablecoin Issuers
New Regulatory Proposal Sets the Stage for Stablecoin Subsidiaries
FDIC proposes new rule for bank-issued payment stablecoins under GENIUS Act
