Федеральная резервная система пытается закрыть лазейки в стейблкоинах с помощью новых правил идентификации клиентов

Bitcoin Magazine Federal Reserve Moves to Close Stablecoin Loopholes With New Customer ID Rules The Federal Reserve proposed Thursday that payment stablecoin issuers maintain written customer identification programs, a move that signals Washington’s determination to bring digital asset markets under the same anti-money laundering discipline long applied to traditional banks — even as regulators race to finalize rules before a statutory deadline this coming January. The proposal would require so-called permitted payment stablecoin issuers, or PPSIs, to collect from each new customer a legal name, date of birth or formation, physical address, and a government-issued identification number before opening an account. The Federal Reserve framework mirrors CIP obligations that banks, broker-dealers, mutual funds, and futures commission merchants have operated under for more than two decades. Regulators will take public feedback on the proposal for 60 days. The Federal Reserve’s action follows a wave of rulemaking set in motion by the Genius Act — formally, the Guiding and Establishing National Innovation for U.S. Stablecoins Act — which President Trump signed into law in July 2025. That landmark legislation created the first federal regulatory system for stablecoins, mandating 100% reserve backing with liquid assets and subjecting issuers to the Bank Secrecy Act for the first time. The statute requires stablecoin issuers to establish effective anti-money laundering, sanctions compliance, and customer identification programs. The Genius Act becomes effective on the earlier of January 18, 2027, or 120 days after primary federal regulators issue their final implementing rules. Federal Reserve Governor cautions towards stablecoins Federal Reserve Governor Michael Barr has emerged as the most vocal voice of caution within the regulatory apparatus, even as his colleagues have embraced digital assets with new openness. Speaking in March at a Federalist Society conference in Washington, Barr warned that stablecoins face material risks around reserve asset quality, regulatory arbitrage, anti-money laundering gaps, and financial stability — concerns he argued the Genius Act’s primary text does not resolve on its own. “While some digital asset service providers are subject to anti-money laundering and anti-terrorist financing requirements in their home jurisdiction, it is far too easy for bad actors to evade these restrictions and operate without detection when transacting in digital assets,” Barr said in a statement Thursday. Barr, who previously served as the Federal Reserve’s top bank cop, contends that detailed rulemaking remains the critical instrument for translating the statute’s intent into enforceable protections. Thursday’s proposal is the latest in a dense sequence of rulemakings from multiple agencies. In April 2026, the Treasury Department’s Financial Crimes Enforcement Network and the Office of Foreign Assets Control issued a joint proposed rule requ