美国银行家协会推动暂停 60 天，以阻止稳定币规则的实施

US banking groups are pressing regulators to slow parts of the federal rollout of the GENIUS Act, opening a new front in their broader fight over how far stablecoins should be allowed to move into territory long dominated by bank deposits. On April 22, the American Bankers Association (ABA) and three other banking trade groups asked the Treasury Department and the Federal Deposit Insurance Corp. to delay the public comment deadlines for three proposed rules implementing the GENIUS Act . The associations requested that the agencies wait until 60 days after the Office of the Comptroller of the Currency (OCC) finalizes its own regulatory framework. This procedural request could push the activation of the federal stablecoin law back by several months. Related Reading Treasury’s first GENIUS rule tightens Washington’s grip on who can scale stablecoins The proposal leaves states with a narrow lane while pushing large stablecoin issuers toward federal control. Apr 2, 2026 · Gino Matos Notably, the move arrives just as traditional banks are actively pressing Senate lawmakers to tighten limits on stablecoin rewards in the broader Digital Asset Market Clarity Act, or CLARITY, signaling a coordinated, dual-front effort to constrain the digital asset sector. At the core of both conflicts is a fundamental economic stake: Commercial lenders want stablecoins confined strictly to serving as payment rails. They view allowing stablecoins to function as yield-bearing cash alternatives as a structural threat that could siphon capital from traditional deposits, severely disrupting the deposit-funded lending models that underpin the US credit system. Why the Banks are seeking more time on GENIUS rules The GENIUS Act, signed into law last year, established a baseline for stablecoin issuance but requires finalized administrative rules to take effect. The OCC serves as the primary regulator for nonbank stablecoin issuers under the law and has proposed a foundational framework that remains p