Regulations for the crypto currency market may come faster than expected. According to Bernstein analysts, the likelihood of new crypto laws in 2025 rose to 70 %. According to the research company’s report, the re -election of Donald Trump, the republican majority and pro -crypto politicians in the Senate, took part in important committees for the crypto market.
Bernstein drew attention to several bills of laws that may be important for the sector that has long been demanding clear regulations.
10 important bills that may affect the crypto currency ecosystem approved in the USA:
Payment Stablecoin Law
Bernstein considers the probability of approval of the Payment Stablecoin Law as 70 %.
This law was prepared on the basis of the “Payment Stablecoin Law for Payment Stablecoin ılan submitted in 2023. The bill, which was presented to the Congress by Senator Cynthia Lummis in 2024, requires the prohibition of algorithmic stablecoins and the support of stablecoins exported in the United States with cash, treasury bonds and central reserves.
Genius law
“Guiding and Establishing National Innovation for Us Stablecoins Act” (Genius Law) is one of the latest crypto -regulatory attempts.
Bernstein predicts that this bill will be approved by 70 %. The draft presented by Lummis, Bill Hagerty, Kirsten Gillibrand and Tim Scott in February 2025, aims to fully support the stablecoins, while adopting a more flexible approach to reserves. It also foresees a comprehensive study for algorithmic stablecoins.
Senator Elizabeth Warren said in the draft that the fight against money laundering and consumer protection measures are insufficient.
Scott, Hagerty, Lummis and Gillibrand Stablecoin Regulation AnnouncementFIT21 law
“21. The Law on Financial Innovation and Technology for the Century ”(FIT21) was presented by the Republican Representative Glenn Thompson in 2023 and passed the House of Representatives in 2024. It is currently submitted to the Senate’s approval.
This law aims to bring clear rules on how the Securities and Stock Exchange Commission (SEC) and the Commodity Futures Commission (CFTC) will regulate crypto currencies.
Although Bernstein considered this bill as one of the important arrangements to be followed closely, he did not make a clear estimate of the possibility of approval.
Responsible Financial Innovation Law (RFIA)
The Responsible Financial Innovation Law (RFIA) presented by Cynthia Lummis and Kirsten Gillibrand in 2022 is seen as the most comprehensive law aimed at regulating the integration of digital assets into the US finance system.
Bernstein says that RFIA is likely to be approval 50 %. However, this law lost its validity because it was submitted in the 118th Congress and must be re -presented to the 119th Congress.
Stablecoin Transparency Law
The Stablecoin Transparency Law, which was presented by Bill Hagerty in 2022, was brought up again at the 119th Congress.
The bill requires stablecoins to be supported by cash, treasury bonds or completely secured repo agreements. It will also make it necessary for exporters to publish monthly reports on their reserves.
Bernstein predicts that the bill will be approved by 30 %.
National distributed book technology research and development strategy law
The draft presented by Senators Roger Wicker and Cynthia Lummis in 2022 aims to create a national strategy to determine how the US government can support the adoption of blockchain technology.
However, this bill was not presented to the current Congress again. Bernstein considers the possibility of this law as only 10 %.
Cooperation Act for Preventing Illegal Financing
This bill, which was presented by Bill Hagerty and Cynthia Lummis in 2024, aims to create a pilot program between the private sector and the Ministry of Justice, the Network of Financial Crimes (Fincen) and the Ministry of Internal Security.
The law aims to strengthen the cooperation among private sector and public institutions in the fight against money laundering and illegal financing activities.
It can be a historical turning point for crypto arrangements
In the Bernstein report, these bills in Congress emphasize that the crypto currency sector can provide a long -awaited regulatory clarity.
If these laws are adopted, there may be major changes in the crypto market. However, some of the bills contain crypto policies, while others aim to bring tighter inspections.
2025 seems to be a critical year in terms of crypto arrangements.
