# OCC Tracks Stablecoin Risks to Community Bank Deposits as Effects Remain Unclear By Riza Dagoc Canonical URL: https://www.tokenpost.com/news/regulation/40301 Published: 2026-10-24T20:12:07.000Z Updated: 2026-10-24T20:12:07.000Z Section: Regulation > Estimates of the deposit impact vary widely. Earlier OCC guidance tied issuer requirements and bank examinations to different factors. The Office of the Comptroller of the Currency (OCC) is monitoring whether stablecoin adoption may draw deposits from community banks, while the effect on those lenders’ funding remains uncertain. Estimates of stablecoins’ impact on community-bank deposits vary widely. The OCC’s focus is on possible deposit outflows as payment innovation advances. The agency previously issued [guidance under the GENIUS Act for community banks](). That guidance tied issuer requirements to business models and risk profiles, and bank examinations to each institution’s size and complexity. ## Links in this article - [guidance under the GENIUS Act for community banks](https://www.tokenpost.com/news/regulation/39041)