The Office of the Comptroller of the Currency (OCC) released a fact sheet addressing eight key concerns community banks have regarding stablecoins, including deposit flight and yield issues. The guidance comes as GENIUS Act compliance begins January 18, 2027. The OCC clarified that it can only accept stablecoin-related applications after the Office of Management and Budget (OMB) approves its required forms. The fact sheet aims to provide clarity for community banks navigating the new regulatory landscape.