{"abstract":"The Financial Crimes Enforcement Network (FinCEN), together with the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA) are jointly issuing this proposed rule to implement certain provisions of the Guiding and Establishing National and Innovation for U.S. Stablecoins Act (GENIUS Act). Specifically, this rulemaking implements the GENIUS Act's directives to treat permitted payment stablecoin issuers as financial institutions under the Bank Secrecy Act and to require issuers to maintain an effective customer identification program.","action":"Joint proposed rule.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/06/22/2026-12460.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1033","title":31}],"citation":"91 FR 37234","comment_url":"http://www.regulations.gov/commenton/FINCEN-2026-0101-0001","comments_close_on":"2026-08-21","correction_of":null,"corrections":[],"dates":"Comments must be received by August 21, 2026.","disposition_notes":null,"docket_ids":[],"dockets":[{"supporting_documents":[],"agency_name":"FINCEN","documents":[{"comment_count":5,"comment_start_date":"2026-06-22","updated_at":"2026-07-21T01:56:25.728-04:00","comment_url":"https://www.regulations.gov/commenton/FINCEN-2026-0101-0001","allow_late_comments":false,"id":"FINCEN-2026-0101-0001","comment_end_date":"2026-08-22","regulations_dot_gov_open_for_comment":true}],"supporting_documents_count":0,"id":"FINCEN-2026-0101","title":"Permitted Payment Stablecoin Issuer Customer Identification Program"}],"document_number":"2026-12460","effective_on":null,"end_page":37272,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/06/22/2026-12460.xml","html_url":"https://www.federalregister.gov/documents/2026/06/22/2026-12460/permitted-payment-stablecoin-issuer-customer-identification-program","images":{"EP22JN26.011":{"large":"https://img.federalregister.gov/EP22JN26.011/EP22JN26.011_large.png","medium":"https://img.federalregister.gov/EP22JN26.011/EP22JN26.011_medium.png","original_size":"https://img.federalregister.gov/EP22JN26.011/EP22JN26.011_original_size.png"}},"images_metadata":{"EP22JN26.011":{"large":{"identifier":"EP22JN26.011","content_type":"image/png","size":90154,"width":800,"sha":"1b4ffb081a546ce82e0aca1ced7c63a7","url":"https://img.federalregister.gov/EP22JN26.011/EP22JN26.011_large.png","height":1500},"medium":{"identifier":"EP22JN26.011","content_type":"image/png","size":29324,"width":376,"sha":"a23bfdc0009e058177135b9335cbf7f9","url":"https://img.federalregister.gov/EP22JN26.011/EP22JN26.011_medium.png","height":705},"original_size":{"identifier":"EP22JN26.011","content_type":"image/png","size":46705,"width":1422,"sha":"cd7aa5a249ec334ae6ebf88ad1559d04","url":"https://img.federalregister.gov/EP22JN26.011/EP22JN26.011_original_size.png","height":2667}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-12460?publication_date=2026-06-22","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-06-22/2026-12460/mods.xml","not_received_for_publication":null,"page_length":39,"page_views":{"count":5919,"last_updated":"2026-07-26 14:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-22/pdf/2026-12460.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12460.pdf?1781786722","publication_date":"2026-06-22","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/06/22/2026-12460.txt","regulation_id_number_info":{"1506-AB74":null},"regulation_id_numbers":["1506-AB74"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":5,"agency_id":"FINCEN","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=FINCEN-2026-0101","supporting_documents_count":0,"docket_id":"FINCEN-2026-0101","document_id":"FINCEN-2026-0101-0001","regulation_id_number":"1506-AB74","title":"Permitted Payment Stablecoin Issuer Customer Identification Program","checked_regulationsdotgov_at":"2026-07-22T08:55:03Z"},"regulations_dot_gov_url":"http://www.regulations.gov/commenton/FINCEN-2026-0101-0001","significant":null,"signing_date":null,"start_page":37234,"subtype":null,"title":"Permitted Payment Stablecoin Issuer Customer Identification Program","toc_doc":"Permitted Payment Stablecoin Issuer Customer Identification Program","toc_subject":null,"topics":["Administrative practice and procedure","Banks, banking","Business and industry","Electronic filing","Investigations","Law enforcement","Reporting and recordkeeping requirements","Terrorism"],"type":"Proposed Rule","volume":91}