The GENIUS Act has sparked regulatory controversy, and stablecoin interest rate loopholes have attracted attention.
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最新报道：According to Crypto In America, the US GENIUS Act has recently drawn criticism from banks, state regulators, and consumer groups. The debate centers on Section 16(d), which allows some uninsured state-chartered banks to operate nationwide under the supervision of the OCC, thereby bypassing state approval. Stakeholders wrote to the Senate Banking Committee demanding the removal of this provision, citing concerns that it would weaken state oversight and the security of the financial system. Meanwhile, banking industry groups warn that the bill's restrictions on stablecoin interest payments contain loopholes that could lead to an outflow of up to $6.6 trillion in bank deposits. Coinbase executives have questioned the authenticity of the data, claiming that the growth of stablecoins has not led to an outflow of deposits from community banks.
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