# 美國財政部提出一套針對穩定幣發行人的新規範。

*fintech · news · 2026-04-09 · Crypto News*

## Key points

- 財政部提出的規定將要求穩定幣發行人實施嚴格的反洗錢及制裁合規措施。
- 每家穩定幣發行人必須指派一名在美國設籍且具清白財務紀錄的合規主管。
- 穩定幣發行人現已實質納入《銀行保密法》的監管框架。
- 聯邦存款保險公司（FDIC）澄清，穩定幣持有人不享有存款保險，但代幣儲備受到保護。
- 海外資產控制辦公室（OFAC）及金融犯罪執法網絡（FinCEN）的規定要求發行人在必要時阻擋、凍結及拒絕可疑交易。

The U.S. Treasury Department has laid out a fresh set of expectations for stablecoin issuers, focusing on how firms must address illicit finance risks under the GENIUS Act. In a notice issued Wednesday, the department confirmed that its Financial Crimes Enforcement Network and Office of Foreign Assets Control had jointly proposed rules aimed at translating the law into operational requirements. The proposal stems from provisions within the GENIUS Act, signed into law in July 2025, as regulators continue working to translate the legislation into enforceable rules. According to the proposal, payment stablecoin issuers will need to put in place anti money laundering and counter terrorism financing programs, alongside sanctions compliance frameworks. The rules also require firms to build systems capable of identifying and acting on suspicious activity, including the ability to “block, freeze, and reject” transactions when necessary. Authorities are effectively placing stablecoin issuers within the same regulatory perimeter as traditional financial institutions. By bringing them under the Bank Secrecy Act, the framework requires issuers to support law enforcement efforts tied to financial crime detection and prevention. Further, each issuer must appoint a designated individual responsible for compliance systems, with eligibility limited to U.S.-based personnel who have no record of financial misconduct such as fraud, cybercrime, or insider trading. “President Trump is strengthening American leadership in digital financial technology,” Treasury Secretary Scott Bessent said, adding that the proposal would “protect the U.S. financial system from national security threats without hindering American companies’ ability to forge ahead in the payment stablecoin ecosystem.” FinCEN has opened a 60-day public comment period for feedback on the proposed rules. GENIUS Act enforcement begins to take shape Work on implementing the GENIUS Act has been unfolding across multiple agencies. FinCEN and OFAC are the latest agencies who have outlined their approach, following recent proposals from the Federal Deposit Insurance Corporation and earlier guidance issued by the Office of the Comptroller of the Currency. The FDIC clarified that stablecoin holders themselves would not receive deposit insurance under the framework, though reserves backing issued tokens would be protected.

**Countries:** United States

[Read the full story on Crypto News](https://crypto.news/us-treasury-proposes-aml-rules-for-stablecoins-under-genius-act/)

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