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Homepage/News/The GENIUS Act Signed into Law, Regulatory Changes Ahead
NEWS

The GENIUS Act Signed into Law, Regulatory Changes Ahead

BY Solomon M.·2 MIN READ·JULY 20, 2025

The GENIUS Act introduces comprehensive legislation for stablecoins, impacting regulatory frameworks and market operations significantly.

KEY FINDINGS - EVIDENCE LEVEL: MULTI-SOURCE
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0Internal references connected to related coverage
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2 minEstimated time to read the full report
Key Points:
  • Main event, leadership changes, market impact, financial shifts, or expert insights.
  • GENIUS Act approved by Congress, reshaping stablecoin regulations.
  • No direct effect on XRP as yet confirmed by sources.

The GENIUS Act, signed by President Trump, passed with bipartisan support, seeking to establish regulatory guidelines for payment stablecoins. The legislation, unprecedented in scope, mandates federal oversight and compliance standards for all issuers.

Bipartisan support was evident as the bill passed the Senate (68-30) and the House (308-122). Implementation and oversight involve federal agencies, with the Office of the Comptroller of the Currency playing a primary role.

Major U.S. stablecoin issuers face compliance mandates, impacting operational costs and oversight. Potential regulatory changes could enhance legal clarity but demand accountability in the digital asset market. As noted in the SEC Statement on Stablecoins and Cryptocurrency Regulations, such frameworks may improve market stability.

The GENIUS Act does not designate specific funding, but compliance costs could rise for payment entities. Ripple and RLUSD have not been officially connected to these changes, showing limited market impact immediately.

Experts anticipate financial outcomes from strict regulatory adherence. Stablecoin markets adjust to the new legal framework. “There are no statements from Ripple Labs executives, including Brad Garlinghouse and David Schwartz, regarding the GENIUS Act and its implications for XRP or RLUSD.” Ripple and others still await further regulatory instructions for definitive market participation. For those interested, the full legislative text provides additional details.

Disclaimer:

The content on The CCPress is provided for informational purposes only and should not be considered financial or investment advice. Cryptocurrency investments carry inherent risks. Please consult a qualified financial advisor before making any investment decisions.

SOURCE TRANSPARENCY
  • External Source - Referenced domain: sec.gov
  • External Source - Referenced domain: govinfo.gov
  • Byline - Reported by Solomon M.
  • Coverage Desk - Primary editorial category: News
  • Media Asset - Featured image served from the WordPress media library