The rules for stable coins are indeed very difficult because I believe that stable coins like USDT were originally meant to be created in the cryptocurrency community, if now there must be new rules that are the same as conventional bank rules, it will be very difficult.
I am sure that this will also have an unsuitable effect for the development of stable coins if they have to comply with bank rules, all the cryptocurrency community also knows that cryptocurrencies and banks cannot be united and can only pass each other because they are hindered by rules.