Regulatory Policy

Focuses on global regulatory developments, policy changes, and compliance requirements. It provides in-depth analysis of government regulations and their impact on the cryptocurrency and blockchain industries, helping businesses and investors proactively manage policy-related risks.

Crypto Giants Battle Banks Over Stablecoin Reward Programs

A coalition of over 125 crypto companies is advocating for the protection of stablecoin reward programs amid opposition from traditional banks. The dispute centers on the GENIUS Act, which currently allows platforms—but not issuers—to offer rewards. Banking groups are pushing to extend restrictions to platforms, arguing that such programs carry risks similar to interest paid by issuers. The crypto industry, led by groups like the Blockchain Association, compares these rewards to credit card incentives and warns that limiting them would harm competition and innovation. They emphasize that stablecoin rewards offer significantly higher returns than traditional bank accounts, which yield minimal interest, and argue that restricting these programs would primarily benefit large banks at the expense of consumers and fintech firms.

TheNewsCrypto12/20 09:03

Crypto Giants Battle Banks Over Stablecoin Reward Programs

TheNewsCrypto12/20 09:03

Hoskinson Warns Trump’s Crypto Push Could Backfire On The Industry

Cardano founder Charles Hoskinson warns that former President Donald Trump's entry into the cryptocurrency space, particularly through the launch of a memecoin, has derailed bipartisan efforts to establish clear crypto regulations. Hoskinson claims that the Clarity Act was previously on track to pass with broad support from around 70 senators. However, Trump’s involvement politicized the issue, making it risky for Democrats to support pro-crypto legislation and turning it into a "third rail" issue. Industry leaders have remained largely silent, fearing exclusion from policy discussions. Hoskinson criticizes the timing of launching a commercial crypto product amid ongoing regulatory debates, arguing that rules should be established before major political figures promote private ventures. This shift has complicated legislative efforts and could delay much-needed regulatory clarity for the industry.

bitcoinist12/20 07:02

Hoskinson Warns Trump’s Crypto Push Could Backfire On The Industry

bitcoinist12/20 07:02

Coinbase Escalates Regulatory Fight With Lawsuit Against 3 States

Coinbase has filed lawsuits against Michigan, Illinois, and Connecticut in federal court, seeking to prevent state regulators from treating prediction markets as illegal gambling. The company argues that these markets are derivatives regulated by the CFTC under federal law, not by state gaming authorities. The legal action aims to avoid a patchwork of state rules that could block federally approved products. The move follows state-level actions, including cease-and-desist orders against platforms like Kalshi. Coinbase plans to launch prediction market trading in partnership with Kalshi in January 2026, making a federal ruling urgent. The outcome could determine whether such markets are regulated nationally or on a state-by-state basis, impacting innovation and market access.

bitcoinist12/20 05:32

Coinbase Escalates Regulatory Fight With Lawsuit Against 3 States

bitcoinist12/20 05:32

US Senate Confirms Crypto-Friendly Lawyer Mike Selig As New CFTC Chair

The US Senate confirmed Mike Selig as the new chairman of the Commodity Futures Trading Commission (CFTC) on December 18, 2025, with a 53–43 vote. Selig, a crypto-friendly lawyer and former chief counsel to the SEC’s crypto task force, will lead the agency as it expands its role in digital asset oversight. His term runs through April 2029. The confirmation was part of a broader package of nominations under the Trump administration, which also included Travis Hill as FDIC chair. Selig will initially be the sole commissioner at the understaffed CFTC, raising concerns about the pace of new rulemaking. Industry groups expect his appointment to bring clearer regulatory guidance for crypto markets. Acting CFTC Chair Caroline Pham is set to join MoonPay following the transition.

bitcoinist12/20 01:01

US Senate Confirms Crypto-Friendly Lawyer Mike Selig As New CFTC Chair

bitcoinist12/20 01:01

US Clarity Act unlikely to be ‘world-shaking’ for Bitcoin’s price: Brandt

Veteran trader Peter Brandt believes the potential passage of the US Clarity Act is unlikely to significantly impact Bitcoin's price, stating it is not a "world-shaking macro development." While he views the legislation as a positive step for regulatory clarity in the crypto industry, he does not see it as a catalyst that will drive Bitcoin back to its all-time high. Brandt also expressed a bearish outlook, suggesting Bitcoin could fall to $60,000 by Q3 2026. Similarly, Ledn's Chief Investment Officer John Glover noted that the act's potential effects have likely already been "priced in" by the market, expecting any benefits to be delayed rather than immediate. Despite this, both see the legislation as a move toward broader acceptance of cryptocurrencies as investable assets.

cointelegraph12/19 22:38

US Clarity Act unlikely to be ‘world-shaking’ for Bitcoin’s price: Brandt

cointelegraph12/19 22:38

Columbia Professor Exposes the 'Conspiracy of Giants Going On-Chain': Beware the 'Suit Simps' Selling Out Crypto's Future

In his article, Columbia Business School professor Omid Malekan expresses skepticism toward the recent embrace of tokenization by major traditional finance (TradFi) firms—including DTCC, SWIFT, Visa, Stripe, and PayPal. While these companies publicly promote blockchain's benefits—such as real-time payments, 24/7 settlement, and programmability—they largely ignore the existential threat that permissionless, decentralized networks pose to their core business models. Malekan argues that truly decentralized systems like Ethereum fundamentally challenge the centralized control these institutions rely on. For example, DTCC’s tokenization efforts avoid addressing how direct on-chain issuance could eliminate the need for centralized clearinghouses. Similarly, stablecoins threaten SWIFT’s cross-border messaging monopoly and Visa’s card-based payment model. Although these firms see growth opportunities in blockchain—such as new fee structures or expanded services—they face an innovator’s dilemma: their legacy businesses must be disrupted for crypto’s full potential to materialize. Malekan warns that these companies, driven by risk aversion and entrenched interests, may push for regulatory capture and compromise core crypto values like permissionless access and censorship resistance. He highlights concerning trends: JPMorgan limiting tokenized assets to accredited investors, DTCC favoring permissioned “enterprise chains,” and Stripe supporting a initially permissioned blockchain. Malekan cautions against “suit simps” in crypto—those who compromise decentralization to appease traditional finance—and urges the industry to avoid diluting its foundational innovations as TradFi adopts blockchain technology.

比推12/19 21:39

Columbia Professor Exposes the 'Conspiracy of Giants Going On-Chain': Beware the 'Suit Simps' Selling Out Crypto's Future

比推12/19 21:39

SEC confirms years-long director bans for former Alameda, FTX executives

The U.S. Securities and Exchange Commission (SEC) has obtained final consent judgments against former Alameda Research CEO Caroline Ellison and former FTX executives Gary Wang and Nishad Singh. They are barred from holding company leadership roles for eight to 10 years due to their involvement in misusing FTX investor funds from 2019 to 2022. Ellison received a 10-year ban, while Wang and Singh each accepted eight-year bans. All three are also subject to five-year conduct-based injunctions. The SEC alleged that, with Ellison's knowledge, FTX co-founder Sam Bankman-Fried and the other executives exempted Alameda from risk measures and provided it with an unlimited line of credit using FTX customer funds. Ellison, who testified against Bankman-Fried, was sentenced to two years in prison and is scheduled for early release on February 20. Wang and Singh also cooperated with authorities and received time-served sentences. Bankman-Fried was sentenced to 25 years for his central role in the exchange’s collapse.

cointelegraph12/19 21:31

SEC confirms years-long director bans for former Alameda, FTX executives

cointelegraph12/19 21:31

Pro-crypto US Senator Lummis won't seek reelection in 2026

U.S. Senator Cynthia Lummis of Wyoming, a prominent pro-crypto advocate in Congress, announced she will not seek reelection in 2026. First elected in 2021, Lummis became known for her strong support of Bitcoin and blockchain policy, aligning with former President Trump’s crypto agenda. She cited exhaustion and the demanding nature of the role as reasons for her decision. Lummis has been instrumental in advancing digital asset market structure legislation, which passed the House but remains pending in Senate committees. Her current term ends in 2027.

cointelegraph12/19 21:19

Pro-crypto US Senator Lummis won't seek reelection in 2026

cointelegraph12/19 21:19

Blockchain Association says no to expanding stablecoin yield prohibition

The Blockchain Association, along with over 125 crypto industry groups, has written to the US Senate Committee on Banking opposing a proposed expansion of the ban on offering yield rewards to stablecoin holders. The letter argues that extending the prohibition—originally targeting stablecoin issuers under the GENIUS Act to include third-party platforms—would stifle innovation, increase market concentration, and unfairly disadvantage crypto services compared to traditional financial providers like banks and credit card companies that offer similar rewards. The Association contends that stablecoin rewards help consumers offset inflation and are a standard feature of competitive markets. It also challenges banking industry claims that yield-bearing stablecoins threaten bank lending, stating there is no evidence to support such concerns. Additionally, the letter comes as the FDIC proposes rules allowing banks to issue stablecoins through subsidiaries, subject to reserve requirements and regulatory oversight.

cointelegraph12/19 21:06

Blockchain Association says no to expanding stablecoin yield prohibition

cointelegraph12/19 21:06

Crypto Biz: Bank stablecoins get a rulebook; Bitcoin gets a land grab

Washington is advancing regulatory clarity for bank-issued stablecoins, with the FDIC proposing a framework under the GENIUS Act. This outlines how insured banks can seek approval to issue payment stablecoins via subsidiaries, subject to public consultation. Meanwhile, corporate Bitcoin accumulation continues, as American Bitcoin surpasses ProCap, now holding over 5,000 BTC. Anchorage Digital expands its institutional services by acquiring Securitize’s advisory platform. Bhutan, a major national Bitcoin holder, plans to use part of its 11,000 BTC reserves to fund the Gelephu Mindfulness City project, balancing economic development with long-term capital preservation.

cointelegraph12/19 21:05

Crypto Biz: Bank stablecoins get a rulebook; Bitcoin gets a land grab

cointelegraph12/19 21:05

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