US Crypto Laws: What's Brewing in 2026?

The crypto industry is abuzz with anticipation as the US prepares for significant regulatory changes in 2026. With new leadership in the White House, the digital asset landscape is poised for a transformation.

Key Legislation to Watch

Digital Asset Market Clarity Act (CLARITY)

• Status: Awaiting Senate approval
• Committees Involved: Senate Banking Committee, Senate Agriculture Committee
• Potential Impact: Could empower the Commodity Futures Trading Commission (CFTC) to regulate digital assets more effectively.

GENIUS Act

• Status: Signed into law by President Trump in July 2025
• Effective Date: 2026 at the earliest
• Focus: Establishes a regulatory framework for payment stablecoins.
• Regulatory Activity: The Treasury Department has opened two rounds of comments for proposed rules.

State-Level Initiatives

• Texas: First state to establish a crypto reserve, planning to invest in Bitcoin (BTC) in 2026.
• Arizona and New Hampshire: Have passed similar legislation, indicating a potential trend among states.

Challenges and Uncertainties

• CFTC Capacity: Currently operating with just one commissioner, which could hinder its ability to regulate effectively.
• Regulatory Landscape: Multiple bills and proposals are in the works, making future regulations unpredictable.

Conclusion

The crypto industry is closely monitoring these developments, as any major changes could significantly impact the market. 2026 is set to be a pivotal year for crypto regulation.