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Stablecoin Issuer Regulation in 2026: GENIUS Act vs MiCA, Compared Line by Line. As of 2026-08-05. This is a snapshot of a moving target: the US rules are still proposals with open comment windows closing in August 2026, the EU has a review consultation closing 31 August 2026, and any single final rule or delegated act can change the reserve, disclosure, or transition numbers below within weeks. The two regimes sit at opposite points of their lifecycle, and that asymmetry drives almost every practical difference. The EU's Regulation (EU) 2023/1114, known as MiCA, has bound s

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