Skip to content
Sign In Subscribe

Stablecoin Regulation Hub 2026: GENIUS Act, MiCA and Global Rules

Every Stablecoin Insider article on stablecoin rules, grouped by region, with the key GENIUS Act and MiCA dates.

Stablecoin Insider cover reading Stablecoin Regulation Hub on a blue textured background
Cover: Stablecoin Insider

Stablecoin regulation in 2026 rests on two anchor regimes: the US GENIUS Act, approved on 18 July 2025 as Public Law 119-27 (govinfo), and the EU's Markets in Crypto-Assets Regulation (MiCA), which entered into force in June 2023 (ESMA). The OCC's final GENIUS Act rule takes effect on 18 January 2027 (OCC Bulletin 2026-50), and MiCA's transitional period for existing crypto-asset service providers ended on 1 July 2026 (ESMA). This hub links all 138 Stablecoin Insider articles on stablecoin rules, grouped by region.

Last updated: 9 November 2026

Key takeaways

  • The GENIUS Act takes effect on the earlier of 18 months after enactment or 120 days after regulators issue final rules (Section 20, Public Law 119-27).
  • Permitted issuers may not pay holders interest or yield solely for holding a payment stablecoin (Section 4(a)(11), Public Law 119-27).
  • Three years after enactment, US digital asset service providers may only offer payment stablecoins from permitted issuers (Section 3(b), Public Law 119-27).
  • The OCC's final rule was published in the Federal Register on 23 October 2026 and is effective 18 January 2027 (Federal Register, OCC).
  • Under MiCA Article 143(3), firms already operating under national law could continue until 1 July 2026 or until they were authorised or refused (ESMA).

Start here

GENIUS Act Explained: US Stablecoin Law, Rules and Deadlines
Our plain-English explainer of the US stablecoin law and its deadlines.
Stablecoin Insider
MiCA Stablecoin Rules After July 1: What Changed in 2026
What the end of MiCA's transition period changed for stablecoins in Europe.
Stablecoin Insider
APAC Stablecoin Regulation 2026
Singapore, Hong Kong, Japan and Taiwan's licensing regimes compared.
Stablecoin Insider

Guides and explainers (21)

United States: GENIUS Act, CLARITY Act and US agencies (58)

European Union: MiCA (11)

United Kingdom (6)

Asia-Pacific (8)

Other jurisdictions, standards and market impact (34)

🔎
How this hub is built: it lists every published Stablecoin Insider article matching this topic's tags and title keywords, newest first, and is refreshed when new articles are published. Facts in the introduction and FAQ link their primary sources, read on 9 November 2026. See our methodology.

Related hubs: Stablecoin Payments and Cards Hub, Stablecoin Yield Hub, AI Agent Payments Hub.

FAQ

What is the GENIUS Act?

The GENIUS Act is the US federal law for payment stablecoins, approved on 18 July 2025 as Public Law 119-27 (govinfo). It sets who may issue payment stablecoins and the rules they follow. Our GENIUS Act explainer covers it section by section.

When does the GENIUS Act take effect?

The GENIUS Act takes effect on the earlier of 18 months after enactment or 120 days after regulators issue final rules (Section 20, Public Law 119-27). The OCC says its final rule is effective on 18 January 2027 (OCC Bulletin 2026-50).

Can stablecoin issuers pay yield under the GENIUS Act?

Stablecoin issuers cannot pay yield under the GENIUS Act: Section 4(a)(11) bars permitted issuers from paying holders interest or yield solely in connection with holding a payment stablecoin (Public Law 119-27). See our analysis of yield after the OCC rule.

What is MiCA?

MiCA is the EU's Markets in Crypto-Assets Regulation, which sets EU-wide rules for crypto-assets including e-money tokens and asset-referenced tokens; it entered into force in June 2023 (ESMA). Our EMT vs ART explainer covers the stablecoin categories.

Did MiCA's transition period end?

MiCA's transition period for existing crypto-asset service providers ended on 1 July 2026: Article 143(3) let firms operating under national law continue until then, or until they were authorised or refused (ESMA).