August gave US financial services firms the clearest view yet of how several major regulatory frameworks could develop.
The SEC proposed Regulation Crypto Assets on the same day that Treasury published proposed payment stablecoin rules under the GENIUS Act. Together, the proposals begin to establish a federal framework spanning crypto issuance, disclosures, secondary trading, custody, intermediaries, reserve assets and non-bank registration.
The latest Adclear Regulatory Horizon explains these developments alongside proposed changes from the OCC and FDIC, fair-lending developments and Treasury’s work on post-quantum readiness.
What is covered in the report
The US edition examines eight developments across banking, consumer credit, digital assets, wholesale markets and cross-sector regulation.
It covers the proposed federal crypto framework, payment stablecoin requirements, changes to Community Reinvestment Act thresholds, the rescission of the interagency special purpose credit program statement and proposed changes affecting supervisory information and reciprocal deposits.
Prepare before proposals become remediation projects
None of the eight developments covered is a final rule. Five remain proposals with comment windows attached, giving firms an opportunity to test the operational impact and contribute evidence before the requirements are finalized.
Download the report for a practical summary of what changed, which controls may be affected and where firms should begin preparing now.
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