OCC Finalizes GENIUS Act Stablecoin Rule, Effective January 18, 2027

The OCC's final GENIUS Act stablecoin rule takes effect January 18, 2027, dropping the yield presumption and keeping two-day redemptions. The rule provides a federal framework for stablecoin issuers, clarifying redemption timelines and removing the presumption that stablecoins yield interest, which could reshape how issuers structure their products.