Posts on the applicable.ai blog tagged State banks.
Two Federal Reserve proposals under the GENIUS Act set out how an insured state member bank applies for a payment stablecoin subsidiary, with a 120-day decision clock and deemed approval, and how the Board would regulate those issuers. Comments are due 30 November 2026.
An FDIC proposal would apply host-state laws to an out-of-state state bank only to the same extent they would apply to an out-of-state national bank. It would not change the interest rates state banks may charge. Comments are due 23 November 2026.
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