Le Trésor américain avance sur les règles de la loi GENIUS après l'échéance de juillet

cointelegraphPubblicato 2026-08-17Pubblicato ultima volta 2026-08-17

Introduzione

Le département américain du Trésor a publié un projet de règlement pour la mise en œuvre du GENIUS Act, loi cadre sur les stablecoins de paiement promulguée l'année dernière. Le texte, qui doit entrer en vigueur le 18 janvier 2027, est ouvert aux commentaires du public pendant 60 jours. Il prévoit qu'aucune entité ne pourra généralement émettre un tel stablecoin aux États-Unis sans licence fédérale ou d'État. Bien que le Trésor, l'OCC, la FDIC et la Réserve fédérale aient tous publié des projets de règles en 2026, ces agences ont manqué la date limite de juillet pour finaliser les réglementations avant janvier, laissant planer un doute sur la clarté du cadre au moment de l'application de la loi. Lors d'une réunion en juillet, le groupe de travail réglementaire financier États-Unis-Royaume-Uni a également discuté de la coopération sur ce dossier. Certains acteurs de la crypto estiment que le Royaume-Uni prend du retard par rapport aux États-Unis dans la régulation des stablecoins.

Le Département américain du Trésor a publié un avis de proposition de réglementation lié à la mise en œuvre de la loi Guiding and Establishing National Innovation for US Stablecoins (GENIUS), un projet de loi visant à établir un cadre pour les stablecoins de paiement signé l'année dernière.

Dans un avis publié lundi, le Département du Trésor a déclaré qu'il ouvrait une proposition de règle aux commentaires du public avant la mise en œuvre de la loi GENIUS en janvier 2027. Selon les termes du projet de loi, la loi sur les stablecoins devait initialement entrer en vigueur 120 jours après que les agences aient finalisé les règles, ou 18 mois après son adoption en juillet 2025, ce qui fixait sa date d'effet au 18 janvier 2027.

Le Secrétaire au Trésor, Scott Bessent, a déclaré que le département "accueille favorablement les commentaires des parties prenantes alors que [il travaille] à fournir la certitude réglementaire dont les entreprises ont besoin pour innover et croître en Amérique."

Conjointement avec le Département du Trésor, d'autres agences gouvernementales américaines, dont le Bureau du Contrôleur de la Monnaie (OCC), la Federal Deposit Insurance Corporation (FDIC) et le Conseil des Gouverneurs de la Réserve Fédérale, ont publié en 2026 des avis de propositions de règles liées à la mise en œuvre de GENIUS. Cependant, tous les départements auraient manqué l'échéance de 120 jours en juillet pour finaliser les réglementations avant janvier, ce qui indique que GENIUS pourrait entrer en vigueur sans directives claires.

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Selon le Trésor, une fois la loi GENIUS entrée en vigueur, une entité ne pourra généralement pas "émettre un stablecoin de paiement" aux États-Unis sans une licence fédérale ou étatique correspondante. La période de commentaires du public sur les règles proposées par le département est ouverte pendant 60 jours suivant leur publication au Federal Register.

Les régulateurs américains et britanniques discutent des progrès de GENIUS

En juillet, le Groupe de travail réglementaire financier Royaume-Uni/États-Unis s'est réuni à Londres pour discuter de la coopération entre les agences financières des deux pays, y compris la mise en œuvre de la loi GENIUS.

Bien que les autorités britanniques aient pris des mesures pour traiter la régulation des stablecoins, la mise en œuvre imminente de GENIUS amène certains initiés de l'industrie de la crypto à affirmer que le pays est à la traîne par rapport aux États-Unis.

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Domande pertinenti

QQuel est l'objectif principal du GENIUS Act, selon l'article ?

ALe GENIUS Act vise à établir un cadre réglementaire pour les stablecoins de paiement aux États-Unis.

QQuand la loi GENIUS Act est-elle prévue pour entrer en vigueur, et quel est le processus décrit ?

ALa loi est prévue pour entrer en vigueur le 18 janvier 2027. Elle devait prendre effet 120 jours après la finalisation des règles par les agences, ou 18 mois après son adoption en juillet 2025.

QQuelles sont les principales agences américaines impliquées dans la mise en œuvre du GENIUS Act mentionnées dans l'article ?

ALes principales agences mentionnées sont le Département du Trésor américain, le Bureau du Contrôleur de la Monnaie (OCC), la Federal Deposit Insurance Corporation (FDIC) et le Conseil des Gouverneurs de la Réserve Fédérale.

QQuelle condition l'article mentionne-t-il pour qu'une entité puisse émettre un stablecoin de paiement aux États-Unis une fois le GENIUS Act en vigueur ?

AUne entité ne pourra généralement pas « émettre un stablecoin de paiement » aux États-Unis sans une licence fédérale ou d'État correspondante.

QQuel problème potentiel concernant la mise en œuvre du GENIUS Act est signalé dans l'article à propos des délais des agences ?

AL'article signale que tous les départements concernés ont manqué l'échéance de juillet (le délai de 120 jours) pour finaliser les règlements, ce qui pourrait entraîner l'entrée en vigueur de la loi sans directives claires.

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