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Title 12, Banks and BankingRelease 119-102

§5912 Interoperability Standards

Title 12 › CHAPTER 56 — REGULATION OF PAYMENT STABLECOINS › § 5912

Last updated Aug 21, 2026|Official source

Summary

The main federal regulators for payment stablecoins must review the issue and, if needed, can create rules (following section 553 of title 5 and the National Technology Transfer and Advancement Act of 1995 (Public Law 104–113)). They will do this in consultation with NIST, other standards groups, and state bank and credit union regulators. The rules must help permitted payment stablecoin issuers work with each other and with the wider digital finance system, including common communication protocols and both permissioned and public blockchains.

Full Legal Text

Title 12, §5912

Banks and Banking, Source: USLM XML via OLRC

The primary Federal payment stablecoin regulators, in consultation with the National Institute of Standards and Technology, other relevant standard-setting organizations, and State bank and credit union regulators, shall assess and, if necessary, may, pursuant to section 553 of title 5, and in a manner consistent with the National Technology Transfer and Advancement Act of 1995 (Public Law 104–113), prescribe standards for permitted payment stablecoin issuers to promote compatibility and interoperability with—
(1)other permitted payment stablecoin issuers; and
(2)the broader digital finance ecosystem, including accepted communications protocols and blockchains, permissioned or public.

Legislative History

Notes & Related Subsidiaries

Delayed

Effective Date

of SectionFor delayed

Effective Date

of section, see

Effective Date

note below.

Editorial Notes

References in Text

The National Technology Transfer and Advancement Act of 1995, referred to in text, is Pub. L. 104–113, Mar. 7, 1996, 110 Stat. 775. For complete classification of this Act to the Code, see

Short Title

of 1996 Amendment note set out under section 3701 of Title 15, Commerce and Trade, and Tables.

Statutory Notes and Related Subsidiaries

Effective Date

Section effective on the earlier of the date that is 18 months after July 18, 2025, or the date that is 120 days after the date on which the primary Federal payment stablecoin regulators issue any final

Regulations

implementing Pub. L. 119–27, see section 20 of Pub. L. 119–27, set out as a note under section 5901 of this title.

Reference

Citations & Metadata

Citation

12 U.S.C. § 5912

Title 12, Banks and Banking

Last Updated

Aug 21, 2026

Release point: 119-102