The US crypto space is on the cusp of a big year as the regulatory framework becomes increasingly clear. Major decisions in crypto regulation are expected in 2026, establishing a bullish outlook for the market.
US Crypto Regulations Set for Historic Year
Less than a year into its second presidential term, Donald Trump’s administration has made crypto regulation friendlier by appointing officials who appear open to asset innovation. Several investigations have been dropped into crypto companies. Banks also have greater clarity on the storage of crypto assets.
Ruslan Lienkha, head of market at YouHodler, added that more defined structures in major countries encourage wider adoption.
“I expect an increasing number of jurisdictions to establish clear and transparent regulatory frameworks for the crypto industry… As a result, we will likely see a significant increase in the involvement of banks and other financial institutions in the market in 2026,” he said.
Last year, the United States introduced a bill that would shape the crypto market. As of late December, the Senate had not finalized the bill, but discussions could continue into January 2026. The bill will help decide whether the SEC or CFTC should supervise certain areas of the market.
Most notably, the Senate Banking Committee announced that it would hold a discussion on the CLARITY Act on January 15, raising hopes that the crypto regulation bill could face possible debate in the Senate during the first half of the year.
Another development in US crypto regulation is the GENIUS Act. It was adopted in mid-2025, providing a federal framework for stablecoins used as a means of payment. However, its implementation is experiencing some delays.
The U.S. Treasury has already solicited public comment on the proposed rules, and analysts anticipate a formal announcement of the rules in early 2026. Other agencies are also moving forward with proposals. The FDIC clarified the conditions under which bank subsidiaries could issue stablecoins.
In January 2026, the Securities and Exchange Commission plans an “innovation exemption” so that crypto startups can test new products with lighter regulations.
Actions at the Fed and State Level Add Momentum
In May, all eyes will be on the Fed as Jerome Powell’s term is about to expire. President Trump is also expected to appoint a Fed chairman who will share his views on the economy.
Specifically, a new law regarding digital financial assets is expected to be enforced in California starting July 1. This law requires businesses residing in the region to acquire a license. Due to the economic power, this regulation constitutes a precedent to follow in the country.
The state of Texas has also created a Bitcoin reserve fund. The government will oversee the reserve fund and directly purchase Bitcoins starting in 2026. Some other states are also considering this idea; for example, Arizona and New Hampshire.
By August 2026, Parliament will enact new taxes on cryptocurrencies. The new rules will apply to staking, lending, and small transactions.
