# FDIC Proposes Framework for Banks to Issue Stablecoins

*Author: Jack Inabinet*
*Published: Dec 16, 2025*
*Source: https://www.bankless.com/read/news/fdic-proposes-novel-stablecoin-issuance-guidelines-for-institutions*

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The Federal Deposit Insurance Corporation (FDIC) is soliciting public feedback on a [proposal](https://www.fdic.gov/board/federal-register-notice-approval-requirements-issuance-payment-stablecoins-subsidiaries-fdic) that will establish novel guidelines for depository institutions to issue payment stablecoins in compliance with the GENIUS Act.

## What's the Scoop?
- **New Rule Drop:** The FDIC has released its first proposed guidelines outlining how FDIC-regulated banks can issue stablecoins in compliance with the GENIUS Act. The proposed rule change would establish a tailored application process for an FDIC-supervised institutions to obtain approval to issue payment stablecoins through a subsidiary.
- **Application Overview:** As per the GENIUS Act, the FDIC can only deny payment stablecoin applications if they promote "unsafe or unsound" banking behaviors. Stablecoins issuers will be required to maintain 1:1 reserves, and will apply to an "FDIC-insured State nonmember bank or an FDIC-insured State savings association."
- **Comment Period:** The FDIC will accepting comments on its stablecoin guideline proposal for the next 60 days. Comments can be submitted through a variety of formats, including via the [FDIC's website](https://www.fdic.gov/federal-register-publications). 
![](https://storage.ghost.io/c/e4/b7/e4b77544-5a37-4f0b-8824-8440aa348476/content/images/2025/12/image-17.png)*Source: [FDIC](https://www.fdic.gov/news/press-releases/2025/fdic-approves-proposal-establish-genius-act-application-procedures-fdic)*