cryptoregulation

Senator Elizabeth Warren is urging the SEC to take immediate action, warning that Donald Trump’s new executive order allowing cryptocurrencies in 401(k) retirement plans threatens the financial future of millions of Americans.
In a public letter addressed to SEC Chair Paul Atkins, Warren fiercely criticized the White House’s move to greenlight crypto investments in the most common U.S. retirement plans. According to her, it’s an “incredibly dangerous step” that could wipe out lifetime savings for ordinary citizens.
“A retirement account is not a casino,” Warren warned. “Cryptocurrencies are extremely volatile and unregulated — they have no place in long-term retirement portfolios.”

Trump’s Turnaround: From “Fraud” to Billions
Warren reminded the public that Trump himself called Bitcoin a fraud back in 2021. Yet after returning to office, he reversed his position — and according to the Center for American Progress, his family has made over $1.2 billion from crypto investments.
In August, Trump signed an executive order that allows providers to offer crypto investment options within 401(k) plans. Warren claims this creates a “regulatory loophole” that could bypass SEC oversight.

Warren: “People Could Lose Everything”
The senator stressed that most Americans are not prepared to handle this level of risk. She called it a “green light for financial disaster,” and questioned whether the SEC is doing enough to protect investors.
🔹 She wants to know if crypto firms are being honest about risks and liquidity

🔹 She asks whether the SEC investigates market manipulation and fraud

🔹 She demands investor education efforts to help people understand crypto risks

SEC Under Pressure, Atkins Follows Trump’s Line
SEC Chair Paul Atkins has previously expressed support for the president’s direction. In an interview with CNBC, he stated the agency would create rules “aligned with the vision of making the U.S. the world’s crypto capital.”
He emphasized that fostering innovation does not mean eliminating oversight:
“Fraud is still fraud. If someone raises money with big promises and vanishes — they’ll hear from us.”
Atkins also distanced himself from former Chair Gary Gensler’s aggressive regulatory stance. Under his leadership, the SEC claims it now wants to embrace innovation — while still prioritizing investor protection.

Labor Unions Join the Fight
Warren is not alone. The American Federation of Teachers and AFL-CIO have both criticized the administration’s move. They fear that weakening oversight could jeopardize the financial future of retirees. If crypto continues to grow unchecked, millions of retirement accounts could face unprecedented risk.

#TRUMP , #ElizabethWarren , #SEC , #CryptoRegulation , #USPolitics

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Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“

$XRP Here’s the latest on Ripple’s push for clearer token classification rules — a major development in crypto regulation:
yellow.com
CryptoRank
Ripple Urges SEC To End Permanent Token Classification Via Market Structure Letter | Yellow.com
SEC Cryptocurrency Regulation Faces Pivotal Week as Chair Paul Atkins Signals Critical Developments
Yesterday
📌 What Ripple Is Urging
Ripple Labs recently sent a formal letter dated January 9, 2026 to the U.S. Securities and Exchange Commission’s (SEC) Crypto Task Force urging a clear, workable framework for token classification — especially to distinguish between:
Securities offerings (regulated financial products) and
Underlying tokens that trade in secondary markets. �
yellow.com
💡 Why This Matters
Ripple argues that the current regulatory approach — especially reliance on “decentralization” as a test — creates “intolerable uncertainty” and inconsistent outcomes. �
yellow.com
Instead, the company suggests:
SEC oversight should be time-bound — tied to the lifespan of contractual obligations (e.g., fundraising promises) rather than permanently labeling a token as a security. �
yellow.com
Once original obligations are fulfilled, the token should be free of securities classification, similar to traditional financial products once an obligation expires. �
AInvest
Ripple’s argument is that this rights-based, obligation-focused framework would reduce legal risk and uncertainties for projects and markets alike. �
AInvest
📊 Proposed Alternatives to “Decentralization”
In earlier submissions (2025), Ripple also challenged the SEC’s reliance on vague concepts like decentralization and proposed more objective tests such as:
A “network maturity” test based on measurable criteria (e.g., market cap, operational history). �
Crypto Briefing
A legal separation test to determine when a token has become distinct from its initial investment contract. �
Coin Edition
These ideas are intended to give both regulators and market participants clearer guidance on when a token should or should not be regulated as a security.
🏛 Regulatory Context
Ripple frames its letter as part of the broader U.S. crypto rule-making process, which includes:
Congressional cryptocurrency market structure bills pending debate. �
yellow.com
Ongoing discussions in the SEC and Capitol Hill over digital asset taxonomy. �
CryptoRank
Separately, some U.S. lawmakers (e.g., Senator Cynthia Lummis) are also pushing for clear crypto rules following major court rulings — highlighting the industry-wide demand for regulatory clarity. �
Coinpaper
🧠 Why This Push Is Significant
Ripple’s letter isn’t just about XRP — it represents a wider industry demand for predictable, principle-based regulation that:
Helps tokens transition out of securities classification as they evolve,
Reduces legal uncertainty for projects and investors,
Could unlock broader institutional participation and market confidence.
This debate is a key part of shaping the next generation of U.S. crypto regulation — and could influence how digital assets are governed worldwide.
If you want a breakdown of how Ripple’s proposals compare to existing SEC tests like the Howey test, let me know!
$XRP
#Ripple #Xrp🔥🔥 #CryptoRegulation #TokenClassification #SEC

Markets chase candles. Institutions chase clarity. This week, Dubai revealed something far more valuable than short-term price movements: regulatory certainty.
While traders update their charts, regulators shape the future quietly — yes, even $BTC will react in the long run when rules finally become clear.

A new digital assets bill was released in Washington on Monday evening, aiming to overhaul federal restrictions that have so far prevented Federal Reserve banks from offering any digital-asset services to either individuals or institutions.
The proposal, titled the Digital Asset Market Clarity Act, was introduced by Cynthia Lummis, a member of the Senate Banking Committee and one of the most vocal advocates for crypto legislation in Congress. Lawmakers backing cryptocurrencies are seeking to amend the Federal Reserve Act to prohibit central bank digital currencies (CBDCs) from being used for monetary policy purposes.
According to Eleanor Terrett, host of the Crypto In America podcast, the bill proposes changes that would directly affect the Federal Reserve System, including limitations that would prevent banks from offering certain products or services directly to consumers.

Senate Banking Committee Adds Ethical Provisions to the Bill
A 278-page draft shared by Terrett shows that the proposal includes two new ethical provisions under the jurisdiction of the Senate Banking Committee. These provisions address convictions for serious criminal offenses and insider trading.
Sections appearing on pages 72 and 270 were initially absent from the versions that first reached Capitol Hill. Their omission was due to the fact that ethical standards are typically handled by other congressional committees and were not expected to appear in related crypto legislation released elsewhere.

A Compromise Between DeFi and Traditional Finance
The bill also introduces a compromise between decentralized finance (DeFi) and traditional financial interests, outlined in Section 601. This section is widely known as the Blockchain Regulatory Certainty Act (BRCA) and focuses on protecting software developers.
Sources familiar with the negotiations said the agreement was reached earlier this week following a series of tense private meetings held the previous week. Banking institutions and opponents of the Clarity Act, including securities industry trade groups such as SIFMA, had warned that DeFi protocols contain regulatory “gaps” that could give them an unfair advantage over traditional financial firms.
Senator Lummis wrote on X that after months of intensive work, a bipartisan text is now ready for a vote scheduled for Thursday. She urged her Democratic colleagues not to abandon the progress made, arguing that the legislation would provide the clarity needed to keep innovation in the United States while strengthening consumer protection.

The Bill Defines “Ancillary Assets” and Early-Stage Tokens
One of the bill’s central features is the introduction of “ancillary assets” and early-stage tokens. This classification applies to digital tokens issued during early fundraising phases on blockchains that later evolve into full network tokens.
While the proposal states that these assets are not securities on secondary markets, ancillary assets would be treated as “covered securities” for the purposes of federal preemption. Issuers and related parties would still be required to provide detailed disclosures during initial transactions.
Under the framework, the Securities and Exchange Commission (SEC) would require disclosures related to token offerings, governance rights, technical capabilities, and individuals associated with the token. The stated objectives are to protect investors, support capital formation, and maintain fair and orderly markets. The SEC would also oversee the listing of “privatized” tokens and police insider trading.
Section 103 expands this framework further by granting the SEC authority to create exemptions and tailored rules for transactions involving ancillary assets. Tokens sold under the new crypto regulatory regime could qualify for exemptions that override state securities laws, though the SEC would retain discretion over which transactions qualify and under what conditions.

BRCA Provides Legal Protection for Blockchain Developers
Title VI of the bill, which effectively codifies the Blockchain Regulatory Certainty Act, states that a non-controlling developer or provider of distributed ledger services shall not be considered a money-transmitting business.
This protection does not apply to developers who retain operational control over a network or protocol.
Section 602 further clarifies that the offer or sale of NFTs will not be treated as the offer or sale of a security unless all elements of an investment contract are met. NFTs may be used as collectibles, access credentials, or membership rights, and according to the Banking Committee, they do not become securities solely because their value may increase.

New Digital Assets Advisory Committee and Expanded Funding for FinCEN
The legislation also establishes a Joint Advisory Committee on Digital Assets, requiring federal agencies to formalize their cooperation through a Memorandum of Understanding.
In addition, the bill authorizes a significant increase in funding for FinCEN. From fiscal year 2026 through 2030, the agency would receive $30 million annually, along with authorization for recruitment incentives of up to 20% to attract qualified personnel.

#CBDC , #CryptoRegulation , #DigitalAssets , #USsenate , #defi

Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“

2026 has started with a clear global trend: regulators are moving fast to close compliance gaps in crypto. As governments tighten oversight, a key question emerges—is this regulatory push laying the groundwork for crypto’s next major breakout?

Even U.S. SEC Chair Paul Atkins recently acknowledged that “clear legislation and well-defined rules deliver market certainty.” Across regions, actions are now matching that sentiment.
🇰🇿 Kazakhstan Cracks Down on Unlicensed Crypto Platforms
Despite ambitions to build a future “crypto-city,” Kazakhstan intensified enforcement in 2025. The country’s Agency for Financial Monitoring (AFM) targeted illegal crypto activity to strengthen compliance.
🔹 1,135 criminal cases investigated
🔹 141.5 billion tenge reimbursed to victims
🔹 22 unlicensed crypto exchanges shut down
🔹 $16.7 million in crypto seized
The move signals that innovation will only be tolerated within a regulated framework.
🇮🇹 Italy Targets Unregistered Platforms & Finfluencers
Italy is also stepping up enforcement to bring crypto fully in line with EU rules.
📌 Unregistered Virtual Asset Service Providers (VASPs) have until December 2026 to obtain licenses
📌 Authorities have already blocked over 1,500 unregistered investment sites
Italy’s securities regulator CONSOB has also issued a strong warning to crypto “finfluencers.”
On 12 January 2026, CONSOB published guidance aligned with ESMA, clarifying that:

Promoting financial products on social media is not the same as advertising consumer goods.
Any post recommending what to buy, sell, or avoid may now be considered investment advice, requiring formal regulatory authorization. Simply adding “this is not investment advice” will no longer be enough.
🔍 The Bigger Picture
From Central Asia to Europe, regulators are sending a consistent message:
Crypto is moving from the grey zone into a fully regulated financial system.
If 2026 becomes crypto’s true breakout year, these actions may be less about suppression—and more about preparing the rails for institutional-scale adoption.
#BinanceSquare #CryptoRegulation #USNonFarmPayrollReport #Web3Compliance #Crypto2026to2030