OCC insta a los bancos comunitarios a ingresar al mercado de pagos con stablecoins en virtud de la Ley GENIUS.

Un regulador bancario de EE. UU. invita a los bancos comunitarios a ayudar a definir el futuro de los pagos mediante el desarrollo de capacidades relacionadas con las “stablecoins”.

La Oficina del Controlador de la Moneda (OCC, por sus siglas en inglés) ha publicado el Boletín 2026-51, que aclara los procedimientos de solicitud y exención previstos en la Ley GENIUS, y llama a los bancos comunitarios a participar.

Según la OCC en X:

“Se anima a los bancos comunitarios interesados a considerar la posibilidad de solicitar ser emisores autorizados de “stablecoins” para pagos, o que una de sus filiales lo haga, según corresponda. Estas oportunidades complementan las iniciativas de la OCC destinadas a ajustar la regulación y adaptar la supervisión para que los bancos comunitarios puedan crecer, competir y continuar prestando servicios a sus comunidades”.

Los emisores de “stablecoins” para pagos deben cumplir con la Ley GENIUS a partir del 18 de enero de 2027; de lo contrario, enfrentarán sanciones penales por no cumplir con los requisitos sin la aprobación previa.

El boletín indica que los emisores existentes en EE. UU. que hayan completado sus solicitudes antes de la fecha de entrada en vigor pueden, en general, esperar exenciones de los requisitos de aprobación previa por un período de hasta 12 meses.

La OCC comenzará a aceptar solicitudes una vez que la Oficina de Gestión y Presupuesto apruebe los formularios de recopilación de información relacionados.

Las solicitudes deben incluir planes de negocio, reservas, funciones de gestión de riesgos y cumplimiento de normativas. La agencia se compromete a revisar los documentos en un plazo de 30 días para comprobar su completitud y hasta 120 días para tomar una decisión final sobre las solicitudes que estén prácticamente completas.

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