US crypto & fintech regulation, in plain English
Every major rule from FinCEN, OCC, OFAC, the SEC and CFTC — explained, with who it affects and what to do. Free, always current, no signup.
Major rule trackers
The GENIUS Act: federal rules for payment stablecoins
Signed into law — illicit-finance rules being finalized (expected mid-2026)
The first major U.S. digital-asset law. It creates a federal licensing and supervision regime for payment-stablecoin issuers: 1:1 reserves in cash or short-dated Treasuries, bank-like safety-and-soundness standards, and full BSA/AML obligations. Treasury, FinCEN, and OFAC are now writing the implementing rules.
Open trackerU.S. Congress · SEC · CFTCThe CLARITY Act: who regulates crypto — the SEC or the CFTC?
Advancing through Congress — joint SEC/CFTC guidance already issued
The market-structure bill that aims to end the SEC-vs-CFTC turf war over crypto. It sets statutory rules for when a digital asset is a security (SEC) versus a digital commodity (CFTC), replacing years of enforcement-by-litigation with a defined regulatory perimeter.
Open trackerFDIC Joins Interagency Third-Party Risk Management Guidance Proposal
The FDIC is participating in the same four-agency interagency proposal to update third-party risk management guidance for banking organizations, signaling broad regulatory alignment on vendor oversight expectations. FDIC-supervised institutions, including state non-member banks that frequently partner with fintechs and crypto firms, should treat this proposal as a preview of future examination standards. The agencies intend to rescind and replace existing guidance, making this a significant structural change for compliance programs.
FDIC Seeks Comment on Reporting Forms for Bank-Issued Stablecoin Issuers
The FDIC is inviting public comment on new weekly and quarterly reporting forms that would be required of FDIC-supervised banks permitted to issue payment stablecoins, tied to a proposed rulemaking and a new OMB control number. Compliance officers at banks considering stablecoin issuance should track these reporting obligations closely, as they signal what ongoing supervisory data the FDAC will expect. This is an early opportunity to shape the final reporting burden before rules are finalized.
FDIC Proposes BSA/AML and Sanctions Rules for Stablecoin Issuers Under GENIUS Act
The FDIC is proposing regulations to impose Bank Secrecy Act and sanctions compliance requirements specifically on FDIC-supervised payment stablecoin issuers, implementing the GENIUS Act's framework for permitted stablecoin issuance. This is a significant development for any bank or institution planning to issue payment stablecoins under federal oversight, as it signals concrete compliance obligations are coming. Compliance officers at affected institutions should engage with the proposal now to shape the final rule.
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