🇺🇸

United States

Americas · Developing

Most active enforcement environment; legislative clarity still incomplete.

DAI Methodology v2.1 Last updated Q2 2026

DAI Readiness Score™

78.0

out of 100

Regulatory status

Developing

Primary regulator

SEC · CFTC · FinCEN · OCC · State regulators (e.g. NYDFS)

Licensing requirements

Fragmented: SEC (securities), CFTC (commodities/derivatives), state money-transmitter licences, NY BitLicense.

AML requirements

Bank Secrecy Act; FinCEN MSB registration; OFAC sanctions screening.

Travel Rule status

Implemented — FinCEN $3,000 threshold; OFAC screening obligations layered on top.

Tax treatment

IRS: property treatment; broker reporting (Form 1099-DA) from 2026.

Consumer protection

CFPB, FTC, and state AGs share jurisdiction; mixed enforcement landscape.

Key legislation

2024

FIT21 Act

Allocates jurisdiction between SEC and CFTC; pending Senate.

2025

Clarity for Payment Stablecoins Act

Federal stablecoin regime under congressional consideration.

Recent developments

2026-05-28

SEC charges Meridian Yield $185m

Unregistered staking-as-a-service offering.

2026-04-29

DOJ takes down Nimbus mixer

$340m conspiracy; first major post-Tornado prosecution under new theory.

Professional disclaimerGlobal Asset Guide intelligence is provided for informational purposes only and does not constitute legal, tax, investment, or compliance advice. Regulatory positions change frequently; verify all material with primary sources and qualified counsel before relying on it for licensing, supervisory, or compliance decisions.