DeutschThe political stage in Washington is becoming increasingly exciting for the crypto industry. After Donald Trump and the Republicans have already taken drastic steps, the Democrats now also want to act. Twelve senators presented a seven-part draft for the most important crypto regulation in the USA to date, the so-called “Market Structure Act”. The goal: clarity, transparency and control in a sector that has so far been considered the Wild West of the financial markets.
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“Politicians should not issue their own tokens,” the draft states. An indirect dig at Trump, whose influence on the crypto market has apparently shaken the Democrats. The initiative shows that the Democrats are taking the rapid development of the industry seriously and want to close regulatory gaps before they get out of control.
Crypto Regulation in the USA: this is the Seven-Point Plan
The plan covers seven central areas. First: the spot markets. Bitcoin and other crypto assets are considered commodities, but there is a lack of clear supervision. In the future, the Commodity Futures Trading Commission (CFTC) should take over responsibility. Second: the status of cryptocurrencies. Which tokens are considered securities, which are considered commodities? So far, unclear rules have led to numerous lawsuits. Clarity should increase legal certainty.
Third: Information obligations for investors. Projects that issue tokens must maintain transparency, prevent insider trading and have clear financial and governance structures. The Securities and Exchange Commission (SEC) should receive extensive control rights. Fourth: Unclear rules for exchanges, brokers, wallet providers and decentralized financial platforms (DEX). The draft calls for a special audit framework for DeFi and mandatory compliance with existing rules.
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Fifth: Prevention of illegal financial use. All providers serving US customers should register with FinCEN. This should improve the monitoring of money laundering and other illegal activities. Sixth: Politicians are not allowed to issue their own tokens or promote such projects. Conflicts of interest should be excluded. Seventh: Increase in resources. SEC, CFTC and the Ministry of Finance need more budget and staff to effectively control the growing industry.
Industry Reacts with Mixed Feelings
The Democrats emphasize that crypto regulation should be cross-party. This is the only way to create a stable legal framework that does not stifle innovation but limits risks. The senators behind the draft are influential figures: Ruben Gallego, Mark Warner, Kirsten Gillibrand, Cory Booker, Catherine Cortez Masto, Ben Ray Lujan, John Hickenlooper, Raphael Warnock, Adam Schiff, Andy Kim, Laphonza Butler and Angela Alsobrooks.
Analysts see the draft as a signal that the Democrats are also taking the opportunities and risks of cryptocurrencies seriously. While Trump and the Republicans are focusing on market-creating impulses, the Democrats are pursuing a regulatory approach that prioritizes clear structures, investor protection and political neutrality.
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The industry is reacting with mixed feelings: On the one hand, the clarity is welcomed, on the other hand, the regulatory intervention raises concerns about excessive control. Whether the seven-part plan will become law depends on the further political course – but one thing is clear: The US crypto landscape is facing a decisive year in which rules, responsibilities and political interests will be readjusted. (mck)
