Alternative Assets & Financial Technology
GENIUS Act 2026: OCC Final Rule, Effective Date and What Stablecoin Investors Need to Know
The GENIUS Act takes effect on January 18, 2027. The OCC issued the first final implementing rule on October 21, 2026 — 5% daily liquidity, two-day redemption, no presumption against third-party yield — while the FDIC, NCUA and Fed rules are still proposals and no issuer has yet been licensed.