El Tesoro de EE. UU. avanza con las normas de la Ley GENIUS tras el plazo de julio

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

Resumo

El Departamento del Tesoro de EE. UU. ha publicado un aviso de propuesta normativa para implementar la Ley GENIUS, que establece un marco para las stablecoins de pago, firmada en 2025. La ley entrará en vigor el 18 de enero de 2027. El Tesoro solicitó comentarios públicos sobre las normas propuestas, que estarán abiertos durante 60 días. Junto con otras agencias como la OCC, la FDIC y la Reserva Federal, el Tesoro avanzó en las reglas, pero todos los departamentos incumplieron el plazo de julio para finalizarlas, lo que podría llevar a que la ley se aplique sin una guía regulatoria clara. Una vez vigente, generalmente se requerirá una licencia federal o estatal para emitir stablecoins de pago en EE. UU. En julio, reguladores de EE. UU. y el Reino Unido discutieron la cooperación en la implementación de la ley, mientras que algunos en la industria cripto argumentan que el Reino Unido se está quedando atrás.

El Departamento del Tesoro de EE. UU. emitió un aviso de reglamentación propuesta relacionado con la implementación de la Ley Guiding and Establishing National Innovation for US Stablecoins (GENIUS), un proyecto de ley para establecer un marco para las stablecoins de pago que fue firmado como ley el año pasado.

En un aviso del lunes, el Departamento del Tesoro dijo que abriría una regla propuesta a comentarios públicos antes de la implementación de la Ley GENIUS en enero de 2027. Según los términos del proyecto de ley, la ley de stablecoins estaba programada para entrar en vigor 120 días después de que las agencias finalizaran las reglamentaciones, o 18 meses después de su aprobación en julio de 2025, lo que establece su fecha efectiva el 18 de enero de 2027.

El Secretario del Tesoro, Scott Bessent, dijo que el departamento "da la bienvenida a los comentarios de las partes interesadas mientras [trabaja] para proporcionar la certeza regulatoria que las empresas necesitan para innovar y crecer en Estados Unidos."

Junto con el Departamento del Tesoro, otras agencias del gobierno de EE. UU., incluyendo la Oficina del Contralor de la Moneda (OCC), la Corporación Federal de Seguros de Depósitos (FDIC) y la Junta de la Reserva Federal, emitieron avisos de reglas propuestas en 2026 relacionadas con la implementación de GENIUS. Sin embargo, según los informes, todos los departamentos no cumplieron con el plazo de 120 días en julio para finalizar las regulaciones antes de enero, lo que indica que GENIUS podría entrar en vigor sin una orientación clara.

Relacionado: Wise volverá a presentar su solicitud de carta bancaria en EE. UU. bajo la Ley GENIUS

Según el Tesoro, una vez que la Ley GENIUS entre en vigor, una entidad generalmente no podrá "emitir una stablecoin de pago" en EE. UU. sin una licencia federal o estatal relacionada. Los comentarios públicos sobre las reglas propuestas por el departamento estarán abiertos durante 60 días después de su publicación en el Registro Federal.

Reguladores de EE. UU. y Reino Unido discuten el progreso de GENIUS

En julio, el Grupo de Trabajo de Regulación Financiera entre EE. UU. y Reino Unido se reunió en Londres para discutir la cooperación entre las agencias financieras de los dos países, incluida la implementación de la Ley GENIUS.

Aunque las autoridades del Reino Unido han tomado medidas para abordar la regulación de las stablecoins, la implementación pendiente de GENIUS ha llevado a algunos expertos de la industria cripto a argumentar que el país se está quedando atrás de EE. UU.

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Perguntas relacionadas

Q¿Qué es la Ley GENIUS y cuándo se promulgó?

ALa Ley GENIUS (Guiding and Establishing National Innovation for US Stablecoins) es un proyecto de ley para establecer un marco regulatorio para las monedas estables de pago. Fue promulgada el año pasado.

Q¿Cuál es la fecha efectiva prevista para que la Ley GENIUS entre en vigor?

ALa fecha efectiva prevista para que la Ley GENIUS entre en vigor es el 18 de enero de 2027, de acuerdo con los plazos establecidos en el proyecto de ley.

Q¿Qué agencias gubernamentales estadounidenses han emitido avisos de reglas propuestas relacionadas con la implementación de GENIUS?

AAdemás del Departamento del Tesoro, otras agencias como la Oficina del Contralor de la Moneda (OCC), la Corporación Federal de Seguros de Depósitos (FDIC) y la Junta de la Reserva Federal han emitido avisos de reglas propuestas en 2026.

Q¿Qué restricción general se aplicará a las entidades una vez que la Ley GENIUS entre en vigor?

AUna vez que la Ley GENIUS entre en vigor, una entidad generalmente no podrá "emitir una moneda estable de pago" en los Estados Unidos sin una licencia federal o estatal correspondiente.

Q¿Qué tema discutió el Grupo de Trabajo de Regulación Financiera EE. UU.-Reino Unido en su reunión de julio?

AEl Grupo de Trabajo de Regulación Financiera EE. UU.-Reino Unido se reunió en Londres en julio para discutir la cooperación entre las agencias financieras de ambos países, incluyendo la implementación de la Ley GENIUS.

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