#美国稳定币法案

#美国稳定币法案 - Establishing a Regulatory Framework: Only specific types of institutions can legally issue payment stablecoins, including subsidiaries of deposit-taking institutions and federally recognized non-bank stablecoin issuers. Stablecoin issuers with a market capitalization below $10 billion may choose to be regulated by state-level regulators, provided that the state regulatory framework is 'substantially similar' to federal standards. Issuers with larger market capitalizations are directly regulated by federal regulatory agencies. Issuers must comply with banking-like regulatory standards, including capital adequacy, liquidity, and risk management requirements, as well as anti-money laundering regulations such as the Bank Secrecy Act.