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In a letter to each Senate office on the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act (S. 1582), ICBA said community bank disintermediation caused by deposit migration to payment stablecoins would create a cascade of issues that impact safety and soundness, lending, and access to banking services in smaller communities across the United States.
Proper Regulation: To address community bank concerns before a vote on the GENIUS Act, ICBA said senators must: