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 trackerOCC Revises Its Licensing Manual Information Collection Requirements
The OCC is soliciting public comment on a revision to the information collection associated with its Licensing Manual, which governs applications and filings for national bank charters and related approvals. For crypto firms, fintechs, and trust companies pursuing OCC charters or special-purpose licenses, changes to the Licensing Manual directly affect the documentation and process requirements they must satisfy. Staying current with any revisions is essential for institutions actively exploring or pursuing federal licensing pathways.
OCC Proposes New Reporting Forms for Payment Stablecoin Issuers
The OCC is proposing a new set of weekly and quarterly reporting forms specifically for permitted payment stablecoin issuers—including foreign issuers—under its jurisdiction, and is seeking a new OMB control number for this collection. This signals that the OCC is building out a formal, ongoing supervisory data infrastructure for stablecoin issuers, which will impose regular disclosure and reporting obligations on covered entities. Compliance officers at stablecoin issuers or institutions considering a stablecoin charter should treat this as an early indicator of the reporting burden they will face.
Joint Final Rule Sets Common Data Standards for Financial Regulatory Reporting
Eight federal financial regulators, including the OCC, Fed, FDIC, SEC, and CFTC, have issued a joint final rule implementing the Financial Data Transparency Act of 2022, establishing standardized data formats for regulatory reporting submissions. Firms subject to reporting obligations across multiple regulators will need to align their data infrastructure and reporting pipelines to the new interoperability standards. This affects any regulated entity that files supervisory data with participating agencies.
OCC Proposes Weekly & Quarterly Reporting Forms for Stablecoin Issuers Under GENIUS Act
The OCC is seeking public comment on proposed weekly and quarterly reporting forms that permitted payment stablecoin issuers and foreign stablecoin issuers registered with the OCC under the GENIUS Act will be required to complete. This is an early but critical step in the GENIUS Act supervisory framework, and stablecoin issuers operating under OCC jurisdiction need to understand their forthcoming reporting obligations. Comments are due within 60 days of Federal Register publication.
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