Only federally licensed companies could issue U.S. dollar stablecoins, and every coin must be backed one-to-one by safe assets like cash or short-term Treasuries. Monthly audited reserve reports would be required, and issuers must run anti-money laundering programs. Stablecoins would not be government-insured, but holders get first claim on reserves if the issuer fails.
Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
STABLE Act of 2025 is a House bill waiting for floor action. The latest recorded action: Placed on the Union Calendar, Calendar No. 68.
Latest action on H.R. 2392: Placed on the Union Calendar, Calendar No. 68.
Who this affects: This bill most directly affects companies that issue stablecoins, the platforms that hold or trade them, and everyday users who hold or send stablecoins. Banks and credit unions can keep doing what they do now and gain a clear path to issue stablecoins through subsidiaries. Unregulated stablecoin issuers would need to get licensed or shut down.
Why this matters: Stablecoins have grown into a major part of the digital payment system, but until now there has been no consistent federal law governing who can issue them or how safe their backing has to be. A badly run stablecoin — like the TerraUSD collapse in 2022 — can lose its dollar peg instantly and wipe out holders' savings. This bill tries to prevent that by requiring full, safe backing and regular, audited disclosures. It also defines stablecoins' place in the broader financial system: they are payment tools, not investments or government-backed instruments.
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Officially: STABLE Act of 2025
Only federally licensed companies could issue U.S. dollar stablecoins, and every coin must be backed one-to-one by safe assets like cash or short-term Treasuries. Monthly audited reserve reports would be required, and issuers must run anti-money laundering programs. Stablecoins would not be government-insured, but holders get first claim on reserves if the issuer fails.
Use this page to support, oppose, or ask Congress to amend H.R.2392. Modern Action explains STABLE Act of 2025 in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
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The debate
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Latest: Placed on the Union Calendar, Calendar No. 68. (5/6/2025)
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
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Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
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The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to STABLE Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (floor pending), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around H.R.2392, your stance, and the reasons you choose, then lets you edit and send when ready.
