Congress Delays Crypto Rules Until 2026 – Again!

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Oh, the US government, where “soon” means “never” and “delayed” is just a fancy way of saying “abandoned.” The Senate Banking Committee has once again postponed hearings on the crypto market structure bill, this time until 2026. 🐐✨ Who knew the future of digital currency could be so thrilling?

Committee Chair Tim Scott said the bill needs support from both parties, which, in this case, probably means “neither.” Lawmakers are too busy debating whether the moon is made of cheese to rush a bill that might actually make sense. 🌕🧀

Which Crypto Bill Is on Hold?

The Senate’s version of the crypto market structure bill-because nothing says “chaos” like a bipartisan agreement on regulations. It follows the House’s FIT21 bill, which, let’s be honest, was probably just a warm-up act for the real show: 2026. 🎭

The bill was expected to reach the Senate markup stage this year. That step has now been pushed to 2026, raising doubts about whether it will move forward at all. Because nothing says “priority” like letting a bill gather dust while everyone else plays politics. 🕹️

Why This Bill Matters

This bill is important because it would finally set clear rules for crypto in the US. Or, as I like to call it, “the end of the crypto wild west.” 🤠

The main goals include:

  • Deciding whether crypto assets fall under the SEC or the CFTC. Because nothing says “clarity” like fighting over who’s in charge. 🕵️‍♂️
  • Giving the CFTC control over spot crypto markets. Because regulators love a good power struggle. 💼
  • Setting clear rules for exchanges and platforms. Or, as the industry calls it, “a dream.” 🌈
  • Reducing lawsuits as the main way to regulate crypto. Because who doesn’t want more court cases? 🏛️

Without these rules, crypto businesses operate in a grey area. That uncertainty makes companies cautious and often pushes traders to pull back during weak market conditions. Because nothing says “confidence” like a 50% chance of everything going sideways. 📉

Why the US Crypto Market Structure Bill is Delayed?

Lawmakers now have bigger political issues to deal with, including budget deadlines and upcoming elections. Crypto regulation has slipped down the priority list. What was once seen as a delay now looks more like a reset. Even moving the bill in early 2026 is no longer guaranteed. Because nothing says “commitment” like a five-year wait. ⏳

Market and Industry Reaction

Crypto prices showed little reaction to the news, suggesting traders expected the delay. Still, concern remains high. Because nothing says “calm” like a market that’s been waiting for years. 🧘‍♀️

Analyst Paul Barron said the bill has effectively stalled and warned that it may not return anytime soon. With elections coming up, he believes crypto laws could stay stuck for years. Because nothing says “progress” like a political cycle. 🔄

Crypto lawyer John E. Deaton pointed to pressure from the traditional banking sector. He argues that large banks are working behind the scenes to slow crypto-friendly rules and protect their own interests. Lawmakers deny this, saying their focus is on consumer safety. Because nothing says “transparency” like a government that’s “just trying to help.” 🤝

What Happens Next?

For now, nothing changes. The crypto industry will likely face:

  • More enforcement actions instead of clear rules. Because who needs clarity when you can have confusion? 🤯
  • Ongoing uncertainty for exchanges and builders. Because nothing says “innovation” like a lack of direction. 🧩
  • States creating their own rules in the absence of federal law. Because nothing says “unified” like 50 different sets of rules. 🌍
  • Slower growth from institutions waiting for clarity. Because nothing says “patience” like a market that’s stuck. 🐢

Clear US crypto rules are now unlikely before 2026. Until then, the industry remains stuck waiting. Because nothing says “excitement” like a five-year delay. 🎉

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FAQs

Why is the US crypto bill delayed?

The bill is delayed due to a lack of bipartisan agreement, shifting political priorities like elections, and unresolved debates over which regulators should oversee crypto markets. Because nothing says “teamwork” like a divided government. 🤝

What does the delayed crypto bill mean for investors?

Continued uncertainty. Without clear rules, investors face a grey area with cautious companies and potential market pullbacks during volatility. Because nothing says “confidence” like a 50/50 chance of everything going sideways. 📉

How does the crypto regulation delay affect businesses?

Crypto businesses face more enforcement lawsuits, operational uncertainty, and a patchwork of state laws, which slows institutional adoption and growth. Because nothing says “opportunity” like a legal minefield. 🚧

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2025-12-16 10:10