The STABLE and GENIUS Acts are bipartisan bills to regulate U.S. payment stablecoins. They clarify rules, set reserve and disclosure standards, and empower federal and state regulators. The STABLE Act favors strong federal control and bans interest on stablecoins, while the GENIUS Act allows more state flexibility and less FinCEN involvement. If passed, they would form the foundation for modern digital asset regulation in the U.S., balancing traditional finance with innovation.