Departemen Keuangan AS Melangkah Maju dengan Aturan tentang Undang-Undang GENIUS Setelah Batas Waktu Juli

cointelegraphPublicado em 2026-08-17Última atualização em 2026-08-17

Resumo

Departemen Keuangan AS telah mengeluarkan pemberitahuan mengenai rancangan aturan untuk implementasi Undang-Undang GENIUS (Guiding and Establishing National Innovation for US Stablecoins), yang telah ditandatangani menjadi undang-undang tahun lalu. Aturan ini diusulkan untuk dikomentari publik sebelum implementasi undang-undang pada 18 Januari 2027. Berdasarkan ketentuan undang-undang, regulator memiliki tenggat waktu 120 hari untuk menyelesaikan aturan pelaksanaan, tetapi berbagai lembaga, termasuk Departemen Keuangan, OCC, FDIC, dan Federal Reserve, dilaporkan melewatkan tenggat Juli tersebut. Hal ini menimbulkan kekhawatiran bahwa GENIUS dapat berlaku tanpa panduan yang jelas. Setelah berlaku, entitas umumnya dilarang menerbitkan "stablecoin pembayaran" di AS tanpa lisensi federal atau negara bagian terkait. Sementara itu, regulator AS dan Inggris juga membahas kemajuan implementasi GENIUS dalam pertemuan Kelompok Kerja Regulasi Keuangan AS-Inggris pada Juli, dengan beberapa pihak di industri kripto menilai Inggris mulai tertinggal dari AS dalam regulasi stablecoin.

Departemen Keuangan AS menerbitkan pemberitahuan pengusulan peraturan terkait pelaksanaan Undang-Undang Pembimbingan dan Penetapan Inovasi Nasional untuk Stablecoin AS (GENIUS), sebuah undang-undang untuk membangun kerangka kerja bagi stablecoin pembayaran yang ditandatangani menjadi undang-undang tahun lalu.

Dalam pemberitahuan hari Senin, Departemen Keuangan mengatakan bahwa mereka membuka pengusulan peraturan untuk mendapatkan masukan publik sebelum pelaksanaan Undang-Undang GENIUS pada Januari 2027. Berdasarkan ketentuan undang-undang tersebut, hukum stablecoin dijadwalkan mulai berlaku 120 hari setelah lembaga-lembaga menyelesaikan aturan, atau 18 bulan setelah disahkan pada Juli 2025, sehingga tanggal efektifnya adalah 18 Januari 2027.

Menteri Keuangan Scott Bessent mengatakan bahwa departemen "menyambut masukan dari para pemangku kepentingan saat [mereka] bekerja untuk memberikan kepastian regulasi yang dibutuhkan bisnis untuk berinovasi dan tumbuh di Amerika."

Bersama dengan Departemen Keuangan, lembaga pemerintah AS lainnya termasuk Kantor Pengawas Mata Uang (OCC), Federal Deposit Insurance Corporation (FDIC), dan Dewan Federal Reserve telah mengeluarkan pemberitahuan pengusulan peraturan pada 2026 terkait pelaksanaan GENIUS. Namun, semua departemen dilaporkan melewatkan batas waktu 120 hari pada Juli untuk menyelesaikan peraturan sebelum Januari, menandakan bahwa GENIUS dapat mulai berlaku tanpa panduan yang jelas.

Terkait: Wise akan mengajukan ulang aplikasi izin bank AS di bawah Undang-Undang GENIUS

Menurut Departemen Keuangan, setelah Undang-Undang GENIUS berlaku, suatu entitas umumnya tidak boleh "menerbitkan stablecoin pembayaran" di AS tanpa lisensi federal atau negara bagian terkait. Masukan publik tentang aturan yang diusulkan departemen dibuka selama 60 hari setelah diterbitkan di Federal Register.

Regulator AS-UK bahas kemajuan GENIUS

Pada Juli, Kelompok Kerja Regulasi Keuangan AS-UK bertemu di London untuk membahas kerja sama antara lembaga keuangan kedua negara, termasuk pelaksanaan Undang-Undang GENIUS.

Meskipun pihak berwenang Inggris telah mengambil langkah-langkah untuk mengatasi regulasi stablecoin, implementasi GENIUS yang tertunda membuat beberapa orang dalam industri kripto berpendapat bahwa negara tersebut tertinggal dari AS.

Majalah: Data 54.000 pengguna dompet bocor, peluang CLARITY hanya 10%: Hodler's Digest

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Perguntas relacionadas

QApa isi utama Undang-Undang GENIUS (Guiding and Establishing National Innovation for US Stablecoins) yang dirujuk dalam artikel?

AUndang-Undang GENIUS bertujuan untuk membentuk kerangka kerja regulasi bagi stablecoin pembayaran di Amerika Serikat. Isi utamanya adalah mewajibkan entitas untuk memiliki lisensi federal atau negara bagian sebelum dapat menerbitkan "stablecoin pembayaran" di AS setelah undang-undang ini berlaku.

QKapankah Undang-Undang GENIUS dijadwalkan mulai berlaku efektif, dan mengapa ada kekhawatiran terkait pedomannya?

AUndang-Undang GENIUS dijadwalkan berlaku efektif pada 18 Januari 2027. Kekhawatiran muncul karena semua departemen terkait, termasuk Departemen Keuangan AS, dilaporkan melewatkan batas waktu 120 hari pada Juli 2026 untuk menyelesaikan peraturan pelaksanaannya. Hal ini menandakan undang-undang bisa berlaku tanpa pedoman yang jelas.

QApa yang dilakukan Departemen Keuangan AS (US Treasury) terkait implementasi Undang-Undang GENIUS, seperti disebutkan dalam artikel?

ADepartemen Keuangan AS telah mengeluarkan pemberitahuan tentang rancangan peraturan yang diusulkan terkait implementasi Undang-Undang GENIUS. Mereka membuka draf peraturan tersebut untuk masukan publik selama 60 hari sebelum undang-undang berlaku pada 2027.

QAgen atau lembaga pemerintah AS mana saja yang disebutkan terlibat dalam penerbitan peraturan terkait Undang-Undang GENIUS?

ASelain Departemen Keuangan AS, lembaga pemerintah lain yang terlibat adalah Kantor Pengawas Mata Uang (OCC), Perusahaan Asuransi Simpanan Federal (FDIC), dan Dewan Gubernur Federal Reserve (The Fed). Mereka semua telah mengeluarkan pemberitahuan rancangan peraturan pada tahun 2026.

QMenurut artikel, bagaimana posisi regulator Inggris (UK) dalam hal regulasi stablecoin dibandingkan dengan AS yang telah memiliki Undang-Undang GENIUS?

AArtikel menyebutkan bahwa meskipun otoritas Inggris telah mengambil langkah-langkah untuk mengatur stablecoin, calon penerapan Undang-Undang GENIUS di AS membuat beberapa pelaku industri kripto berpendapat bahwa Inggris tertinggal dibandingkan dengan Amerika Serikat dalam hal regulasi stablecoin.

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