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Oct 21, 2026, 7:00 a.m. EDT5 min readComptroller of the Currency Jonathan Gould (Nikhilesh De/CoinDesk)SummaryThe U. S. agency that regulates national banks and trusts has issued the first final rule putting the GENIUS Act into place in January, though a number of other regulators are still working on other parts of the implementation. The section on stablecoin yield doesn't offer a lot of detail on what activity may fall under the law's wide prohibition of such yield from issuers, but the crypto industry has already interpreted GENIUS to permit the rewards programs that have become commonplace with stablecoin activity on exchanges. The final rule states that pre-existing rewards programs won't get special treatment as the OCC assesses which ones pass regulatory muster. U. S. crypto exchanges that have long been giving people rewards for usings stablecoins will have to get the agency to sign off on those existing programs, according to the U. S. Office of the Comptroller of the Currency, the first federal banking regulator to issue a final rule under the Guiding and Establishing National Innovation for U. S. Stablecoins (GENIUS) Act. The OCC, which oversees U. S.