The United States House of Representatives achieved a landmark victory for the cryptocurrency industry on July 18, 2025, by passing three significant bills, advancing regulatory clarity.
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The Clarity Act
The Clarity Act, approved 294-134, establishes a framework for digital assets, resolving ambiguities that have long challenged crypto businesses.
- It categorizes cryptocurrencies and tokens, clarifying oversight by the Securities and Exchange Commission (SEC) or the Commodity Futures Trading Commission (CFTC).
This is expected to boost investor confidence and spur institutional adoption.
The Genius Act
The Genius Act, passed 308-122, focuses on stablecoins, a cornerstone of the crypto ecosystem.
- It mandates licensing for stablecoin issuers, requiring full reserves and transparency to protect consumers.
- This bill supports financial innovation, positioning the U.S. as a hub for stablecoin markets.
Industry leaders, including crypto exchanges, praised the legislation for integrating digital currencies into mainstream finance.
The Anti-CBDC Act
The Anti-CBDC Act, passed 219-210, bans the Federal Reserve from issuing a central bank digital currency (CBDC), citing privacy and government overreach concerns.
Critics argue a CBDC could threaten decentralized cryptocurrencies like Bitcoin and Ethereum, while supporters emphasize financial freedom.
These bills, passed during Crypto Week, reflect bipartisan support for blockchain technology.
Years of advocacy from crypto advocates and lobbying groups culminated in these victories, pushing for a balanced regulatory environment.
The bills now face Senate scrutiny, with the Anti-CBDC Act likely to spark debate. If enacted, they could make the United States a global leader in blockchain innovation, attracting investment.
However, concerns about money laundering and market manipulation persist, requiring ongoing dialogue with policymakers.
For investors and crypto enthusiasts, these developments signal a maturing crypto market. The Clarity Act and Genius Act are poised to drive institutional investment, with billions expected to flow into crypto markets.
As the United States refines its regulatory framework, the global crypto industry anticipates impacts on regulations and market dynamics worldwide.
