Earlier this week, Genius Act passed a Senate vote with bipartisan support, marking the first major US cryptography bill to be adopted. But when will it become law?
When will Stablecoin Bill be effective? This is a summary of the next steps to ensure that the genius law becomes the official stubcoin law in the United States.

Passing the House
The bill now goes to a house with two main passes.
- Adopt the Senate version quickly and avoid delays.
- Or move forward with your own stable bill and adjust the differences through conference committees.
House aims to act before the August break. Majority pressure and enforcement signals may push timing forward.
The House and Senate are two separate rooms of the US Congress, each with clear membership, rules and political dynamics.
The bill passed Senate 68-30, showing strong bipartisan support. This signal represents a cross-party consensus, particularly on systematic safeguards and the guardrails of stablecoins agencies.
The outlook for the house is cautiously optimistic, but here is a more subtle look.
Positive metrics:
- The Senate momentum will pressure the home to act quickly, especially before the August break.
- A bipartisan Senate vote provides political coverage for moderate House members to support it.
- Key household Republicans (particularly the Financial Services Committee) support the clarity of stubcoin regulations.
Friction points:
- Some House Democrats remain skeptical, particularly with a focus on consumer protection and systematic risk monitoring. Some labeled the Senate version as industry-friendly.
- Maxine Waters, a ranking Democrat on the Financial Services Commission, is pushing for alternative, stable laws that will tighten control over reserves, audits and government-issued tokens.
- House leadership may insist on amendment – Trigger Conference Committee Coordinate with the Senate version.
Conference Committee (if necessary)
If the House of Representatives amends the language, both chambers form a conference committee to negotiate a unified text. This stage addresses discrepancies such as surveillance schemes, frequency reporting, and issuance thresholds.
After the agreement, both the House and Senate must do so Approve the final adjusted bill.
President’s signature
If both chambers pass the same text, it goes President Trump For his signature. The president has 10 days (Except Sunday) they sign it to the law or otherwise make it into law without signing it.
There will be an agency (Fed, OCC, FDIC, CFTC, etc.) at the time of establishment 180 days Issues final rules that capture monitoring, reservation requirements, auditing, licensing, disclosure, and enforcement protocols.
Overview of the timeline of genius acts
If the house fails to act by August, the act of genius risks losing momentum.
It won’t kill the bill completely, but it can push the final resolution up to Q4 2025 Or even 2026depends on how the political winds change.
Overall, speed is important now when lawmakers want to lock in bipartisan support and take advantage of system preparation.
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