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Regulatory Intelligence: EU & US REFERENCE · laws.js / reference.js · official sources · as of 2026-10-26
In short: Read-only view of StableRadar's existing EU and US stablecoin regulation data and a per-issuer explanation of the Regulatory Compliance Score. 5 EU/US records are shown with a checked primary official source; 3 are listed as not verified. Not legal advice.
Phase 1: built only from existing StableRadar datasets. Regulatory compliance is assessed separately from financial / market risk.
Monitoring: not enabled. This page does not update automatically; it changes only when the underlying datasets are edited and the site is redeployed.
Dataset check date: 2026-10-26 (file-level check of laws.js / reference.js)
Content reviewed: not recorded. No named human review is on record for these entries.
Source links: each primary link shown below was opened on 2026-10-26 and confirmed to be the official document page.
Issuer: Circle · records from StableRadar datasets as of 2026-10-26. This is a list of public records, not an assessment of whether USDC may be used in United States.
Issuer licence records
National trust bank charter No. 25361 (Circle National Trust)
Dataset status: AuthorizedOCClisted as of 8 Sep 2026
Not verifiedsource is not an official government/regulator page (circle.com) · dataset link ↗ · dataset as of 2026-10-26
Limited-purpose trust company (Circle New York Trust)
Dataset status: AuthorizedNYDFSSub-national: NY
Not verifiedsource is not an official government/regulator page (circle.com) · dataset link ↗ · dataset as of 2026-10-26
Virtual Currency and Money Transmitter Licenses — Circle Internet Financial, LLC (NYDFS regulated-entities list)
Dataset status: AuthorizedNYDFS2015-09Sub-national: NY
Not verifiedsource is not an official government/regulator page (circle.com) · dataset link ↗ · dataset as of 2026-10-26
Token approval by a regulator
Not verified — no token-level regulator record for USDC in United States in the dataset.
Applicable laws & status
GENIUS Act (S.1582)
Dataset status: EnactedOCC, Federal Reserve, FDIC, NCUA, state regulatorsSigned 18 Jul 2025 · effective Earlier of 18 months after enactment or 120 days after final regulationsUnited States
Dataset status: Final Rule18 Jan 2027 (per TZ)United States (implementation milestone)
Not verifiedclaim from internal specification, not checked against primary document · dataset link ↗ · dataset as of 2026-10-26
Treasury / FDIC implementing rules
Dataset status: ProposedTBDUnited States (implementation milestone)
Not verifiedsource is a regulator homepage, not a primary document · dataset link ↗ · dataset as of 2026-10-26
Licensed providers supporting it
Not verified Licensed providers: no issuer-published provider list in the dataset for Circle
Not legal advice. StableRadar does not state whether any stablecoin is allowed or forbidden anywhere. Records are shown as published in the linked official sources; “Not verified” means the dataset has no official primary source for that item. Check the source and seek professional advice.
Laws & frameworks · 3
Jurisdiction
Law / framework
Status (dataset)
Passed
Effective
Authorities
Key requirements
Primary source
Review
🇺🇸 US
GENIUS Act (S.1582)
Enacted
Signed 18 Jul 2025
Earlier of 18 months after enactment or 120 days after final regulations
OCC, Federal Reserve, FDIC, NCUA, state regulators
Federal framework for payment stablecoins: permitted issuers only, 1:1 reserves in cash/T-bills etc., monthly reserve disclosure, redemption rights, AML/sanctions compliance.
Dataset check date: 2026-10-26 Content reviewed: not recorded
Not shown as conclusions · 3
These existing dataset entries did not pass the primary-source check, so their status and dates are not presented here as legal conclusions.
US · OCC final rule implementing GENIUSNot verified: Source is a website homepage, not a primary document.
US · Treasury / FDIC implementing rulesNot verified: Source is a website homepage, not a primary document.
EU · ESMA expectations — non-MiCA stablecoinsNot verified: Source is a website homepage, not a primary document.
Regulatory Compliance Score by issuer
Scores are calculated by StableRadar's existing Compliance Score methodology. They are the same numbers shown on each issuer page. Weights: Licensing 30% · Reserves & audit 25% · Redemption rights 15% · Enforcement history 20% · Transparency & cooperation 10%. Inputs without public data score zero within their pillar; the score is withheld when fewer than 50% of inputs are available. Not legal advice; algorithmic assessment from public sources.
Same calculation as the Regulatory Compliance Score on the Ripple issuer page. Inputs available: 94%. Licensing covers 7 key jurisdictions (US, EU, UK, Singapore, UAE, Japan, Hong Kong), as defined by the existing methodology.
The Regulatory Compliance Score measures licensing, reserve reporting, redemption terms, enforcement history and transparency from public sources. It does not measure peg stability, liquidity or market risk. Those are covered separately by the StableRadar Score (methodology). Average Compliance Score across 17 scored issuers: 45.
Phase 1 covers the EU and the US only. Other jurisdictions are on Stablecoin Laws. Not legal advice.
Last updated: · Sources: Official government / regulator publications (linked per entry)
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