美国国会：2025《天才法案》（指导与建立美国稳定币国家创新法案）全文（英文版）（48页）.pdf

1、139 STAT.419 PUBLIC LAW 11927JULY 18,2025 Public Law 11927 119th Congress An Act To provide for the regulation of payment stablecoins,and for other purposes.Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,SECTION 1.SHORT TITLE.This Act m

2、ay be cited as the Guiding and Establishing National Innovation for U.S.Stablecoins Act or the GENIUS Act.SEC.2.DEFINITIONS.In this Act:(1)APPROPRIATEFEDERALBANKINGAGENCY.The term appropriate Federal banking agency has the meaning given that term in section 3 of the Federal Deposit Insurance Act(12

3、U.S.C.1813).(2)BANKSECRECYACT.The term Bank Secrecy Act means(A)section 21 of the Federal Deposit Insurance Act(12 U.S.C.1829b);(B)chapter 2 of title I of Public Law 91508(12 U.S.C.1951 et seq.);and(C)subchapter II of chapter 53 of title 31,United States Code.(3)BOARD.The term Board means the Board

4、of Gov-ernors of the Federal Reserve System.(4)COMPTROLLER.The term Comptroller means the Office of the Comptroller of the Currency.(5)CORPORATION.The term Corporation means the Fed-eral Deposit Insurance Corporation.(6)DIGITAL ASSET.The term digital asset means any digital representation of value t

5、hat is recorded on a cryp-tographically secured distributed ledger.(7)DIGITAL ASSET SERVICE PROVIDER.The term digital asset service provider(A)means a person that,for compensation or profit,engages in the business in the United States(including on behalf of customers or users in the United States)of

6、(i)exchanging digital assets for monetary value;(ii)exchanging digital assets for other digital assets;(iii)transferring digital assets to a third party;(iv)acting as a digital asset custodian;or(v)participating in financial services relating to digital asset issuance;and 12 USC 5901.12 USC 5901 not