FinCEN and OFAC AML Rules for Stablecoin Issuers

April 10, 2026

FinCEN and OFAC issued a joint proposed rule implementing anti-money laundering and sanctions compliance requirements under the Genius Act. Permitted payment stablecoin issuers would be treated as financial institutions under the Bank Secrecy Act and would need to establish risk-based AML/CFT programs, file SARs, block impermissible transactions, and maintain records for transfers of $3,000 or more. Public comment closes 60 days after Federal Register publication.

FinCen press release: https://www.fincen.gov/news/news-releases/treasury-proposes-rule-implement-genius-acts-requirements-counter-illicit

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