By Jove, it appears the good egg in Congress is on the brink of a dashed historic move in the realm of US crypto regulation! Senator Cynthia Lummis, the absolute sport, has her bipartisan market structure bill all set for a January 2026 markup. What ho!
After what feels like an eternity of uncertainty-or at least a decade, which is practically the same thing-this legislation promises to bring clarity for the brainy innovators, protect the dear old consumers, and ensure that digital asset growth happens on American soil rather than in some foreign clime. Toodle pip to the chaos, what?
Regulatory Momentum Grows as Lummis Takes a Bow 🏆
Wyoming’s very own Senator Cynthia Lummis, a stalwart champion of digital asset clarity, announced on December 19 that she’s hanging up her spurs and won’t seek reelection. But fear not, old bean! She’s still as keen as mustard to push her bipartisan bill over the finish line.
“Our digital asset market structure bill provides the clarity innovators in the industry need while protecting consumers,” Lummis chirped on the old Twitter machine. 🦜
She’s dead right, you know. Clear rules are the bee’s knees for fostering US-based innovation. And this gem came hot on the heels of another corker: Governor Waller’s skinny master account framework. Apparently, it’s the end of Operation Chokepoint 2.0 and the start of real payments innovation. Spiffing!
“Governor Waller’s skinny master account framework ends Operation Chokepoint 2.0 and opens the door to real payments innovation. Faster payments, lower costs, better security-this is how we build the future responsibly.” 🚀
– Senator Cynthia Lummis (@SenLummis) December 27, 2025
The crypto crowd is all ears, naturally. Meanwhile, SEC Chair Paul Atkins and industry bigwigs like Merlijn the Trader are tipping their hats to the bill for its potential to provide unprecedented regulatory certainty. About time, eh?
“After a decade of uncertainty, the framework is finally forming. Markets are rarely priced for regulatory certainty,” Merlijn noted, sounding like a chap who’s seen a thing or two. 📈
And let’s not forget David Sacks, Trump’s AI and crypto Czar, who’s been busy as a bee confirming progress with congressional leaders.
“…we are closer than ever to passing the landmark crypto market structure legislation that President Trump has called for. We look forward to finishing the job in January!” Sacks wrote, sounding dashed optimistic. 🏗️
SEC’s Project Crypto Paves the Way 🛣️
In November 2025, SEC Chair Paul Atkins dropped a bit of a bombshell with his “Project Crypto,” introducing a four-part token taxonomy. It’s all about separating digital commodities, collectibles, tools, and tokenized securities. Jolly good show!
“This one was a banger live @philadelphiafed Fintech Conf. ‘Network tokens are not securities’ and ‘investment contracts can expire.’ 🔥
Thank you @SECPaulSAtkins for providing a much needed path forward before official staff guidance on token taxonomy.” 🎤
– Rebecca Rettig (@RebeccaRettig1) November 12, 2025
Most tokens, unless tied to ongoing investment contracts, are now defined outside SEC oversight. Huzzah! Industry stakeholders finally have some guidance to cling to like a lifeline in a storm. 🌪️
Broker-dealer custody rules got a spruce-up, and the SEC even hosted privacy roundtables to strike a balance between innovation and market integrity. Top-hole stuff!
“Curious about crypto wallets and how to store and access crypto assets? Check out our Crypto Asset Custody Basics Investor Bulletin.” 📚
– U.S. Securities and Exchange Commission (@SECGov) December 13, 2025
Bank Access, Agency Coordination, and Future Steps 🚀
December was a month of milestones, old sport. The FDIC gave the green light to full insurance for a national crypto bank on December 16, and stablecoin payment accounts entered the public comment period. What’s more, the Federal Reserve’s master account framework is set to expand banking access for compliant crypto institutions. Pip pip!
Leadership confirmations at the CFTC and FDIC, along with laws like the SAFE Crypto Act, show that bipartisan momentum is building toward comprehensive regulatory reform. It’s all coming up roses! 🌹
The January markup is the big kahuna. If this Lummis bill gets the nod, it could:
- Solidify US leadership in digital assets, 🇺🇸
- Provide long-sought regulatory clarity for entrepreneurs, 🧠
- Ensure the country remains competitive in the fast-paced global crypto arena. 🏎️
With bipartisan support and industry optimism on the rise, 2026 might just be the year America tames the crypto chaos. Fingers crossed, old bean! 🤞
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2025-12-29 00:33