As of · Last updated: 2026-10-23 (PT) · Week of Oct 19, 2026
Regulation · Tracker
Crypto regulation tracker: this week's US, EU and UK rules
A dated weekly log of US, EU and UK crypto and stablecoin rules, proposals, comment deadlines and effective dates. Every row links to its primary source. Not legal advice.
Last updated: 2026-10-23 (PT). Week of Oct 19, 2026. As of 2026-10-23, the US GENIUS Act is enacted but not yet effective, the OCC announced its GENIUS final rule on Oct 21, 2026 (effective Jan 18, 2027; published in the Federal Register on October 23, 2026 (91 FR 67000; FR Doc 2026-21706)), the SEC's Regulation Crypto Assets proposal has closed for comment, and the CLARITY Act remains a bill. Status words are exact: Proposed, Final, In force, Bill. Proposals are not law.
Upcoming deadlines (next 60 days)
| Date | Jurisdiction | Body | What happens | Source |
|---|---|---|---|---|
| US | FinCEN | Comments due: A7 Network special measure NPRM (FR Doc 2026-20371) | Primary source | |
| EU | EBA | Joint EBA and ACPR supervision of USDC as a significant EMT begins · explainer | Primary source | |
| US | CFTC | Comments due: event-contract swap NPRM (2026-21377) and casino-style IFR (2026-21376) | Primary source | |
| US | Federal Reserve Board | Comments due: GENIUS Act NPRMs, Dockets R-1899 and R-1900 · explainer | Primary source | |
| US | Treasury | Comments due: state certification interim final rule (FR Doc 2026-19966) · explainer | Primary source | |
| US | SEC | Comments due: crypto custody proposal (FR Doc 2026-20466) | Primary source | |
| US | NCUA | Comments due: Call Report information collection notice (FR Doc 2026-20729) | Primary source | |
| US | CFTC | Comments due: crypto asset transactions and markets ANPRM (FR Doc 2026-20888) · explainer | Primary source |
Week of Oct 19, 2026
Frozen archive: crypency.com/regulation/tracker/2026-10-19
| Date | Jurisdiction | Body | Rule or bill | Status | Key date | Effective date | Primary source |
|---|---|---|---|---|---|---|---|
| US | SEC | Regulation Crypto Assets (proposed rule)Comment period closed on the SEC proposal for two crypto offering exemptions and a conditional investment-contract safe harbor.FR Doc 2026-17183; 91 FR 54510; RIN 3235-AN38; File No. S7-2026-27; published 2026-08-21 | ProposedProposed rule; comment period closed. Not in force. | Comments closed 2026-10-20 | n/a (proposal) | Federal Register | |
| US | Treasury | GENIUS Act Regulations on Payment Stablecoin Issuance, Offer, and Sale (section 3)Comment period closed on Treasury's proposal implementing GENIUS Act section 3 limits on who may issue, offer and sell payment stablecoins.FR Doc 2026-16796; 91 FR 53368; RIN 1505-AC95; published 2026-08-18Crypency explainer → | ProposedProposed rule; comment period closed. | Comments closed 2026-10-19 | n/a (proposal) | Federal Register | |
| US | CFTC | Further Definition of “Swap”: Inclusions (event contracts)Proposes defining “swap” to include event contracts; relevant to prediction markets.FR Doc 2026-21377; RIN 3038-AF82 | ProposedProposed rule (NPRM). Adjacent: prediction markets, not crypto-specific. | Comments due 2026-11-18 | n/a (proposal) | Federal Register | |
| US | CFTC | Further Definition of “Swap” To Exclude Casino-Style Gambling ProductsInterim final rule excluding casino-style gambling products from the “swap” definition.FR Doc 2026-21376; RIN 3038-AF81 | In forceInterim final rule, effective 2026-10-19; comments open. Adjacent, not crypto-specific. | Comments due 2026-11-18 | 2026-10-19 | Federal Register |
Week of Oct 12, 2026
Frozen archive: crypency.com/regulation/tracker/2026-10-12
| Date | Jurisdiction | Body | Rule or bill | Status | Key date | Effective date | Primary source |
|---|---|---|---|---|---|---|---|
| EU | ESMA | MiCA Q&A 2949: CASPs using non-bank PSP payment accounts to hold client fundsESMA published a MiCA Q&A on CASPs holding clients' funds in payment accounts provided by non-bank payment service providers.ESMA Q&A 2949Crypency explainer → | SupervisorySupervisory Q&A, not new law. | Published 2026-10-16 | n/a (Q&A) | ESMA | |
| EU | EBA | EBA classifies USDC as the first significant e-money token under MiCAUSDC, issued in the EU by Circle Internet Financial Europe SAS, moves to joint EBA and ACPR supervision from 12 November 2026.MiCA Arts. 43 and 56Crypency explainer → | SupervisorySupervisory classification decision. | Joint supervision from 2026-11-12 | 2026-11-12 (EBA supervision) | EBA | |
| US | OCC | OCC report on large banks' debanking activitiesReview of the nine largest national banks lists digital asset activities among sectors whose access to banking was restricted.OCC News Release 2026-90 | ReportSupervisory findings, not a rule. | Released 2026-10-14 | n/a (report) | OCC | |
| US | CFTC | Regulation Crypto Asset Transactions and Regulation Crypto Asset Markets (ANPRM)Asks for comment on rules for retail crypto commodity transactions and a possible crypto asset market category of designated contract market.FR Doc 2026-20888; RIN 3038-AF80; CFTC release 9307-26 (2026-10-05)Crypency explainer → | ANPRM (pre-proposal)Advance notice of proposed rulemaking. No rule text; not a rule. | Comments due 2026-12-14 | n/a (no rule text) | Federal Register |
Status board: open and recent rules
Standing items, re-checked 2026-10-23 against the linked primary source.
| Date | Jurisdiction | Body | Rule or bill | Status | Key date | Effective date | Primary source |
|---|---|---|---|---|---|---|---|
| US | Congress | GENIUS Act (S. 1582), Public Law 119-27Federal payment stablecoin law. Effective on the earlier of 18 months after enactment or 120 days after final implementing regulations (Sec. 20).Pub. L. 119-27Crypency explainer → | FinalEnacted, not yet effective. | Expected effective date 2027-01-18 (Treasury) | Earlier of 2027-01-18 or 120 days after final regulations | GovInfo | |
| US | Congress | Digital Asset Market Clarity Act (H.R. 3633)Market-structure bill that would give the CFTC a regulatory framework for digital commodities. Not law.H.R. 3633, 119th Congress; Senate Record Vote 234Crypency explainer → | BillPassed the House 2025-07-17 (294-134). Senate cloture on the motion to proceed not invoked 2026-09-15 (49-50); motion to reconsider entered. | Latest action 2026-09-15 | n/a (bill) | Congress.gov | |
| US | OCC | Regulations on Implementing the GENIUS Act for Entities Subject to OCC JurisdictionRequirements for permitted and foreign payment stablecoin issuers under OCC jurisdiction and certain custody by OCC-supervised entities. OCC will separately announce when it accepts applications and waivers.RIN 1557-AF41; FR Doc 2026-21706; Docket OCC-2025-0372; OCC NR 2026-92Crypency explainer → | Final rule; published in the Federal Register Oct 23, 2026 (91 FR 67000; FR Doc 2026-21706)Announced Oct 21, 2026 (OCC News Release 2026-92); published in the Federal Register on October 23, 2026 (91 FR 67000; FR Doc 2026-21706); docket OCC-2025-0372. BSA/AML and OFAC sanctions rules to follow separately with Treasury. | Announced 2026-10-21 | 2027-01-18 | Federal Register | |
| US | Federal Reserve Board | Implementing the Federal Reserve Board's Responsibilities Under the GENIUS ActProposed requirements for Board-supervised payment stablecoin issuers.FR Doc 2026-19860; RIN 7100-AH29; Docket R-1899Crypency explainer → | ProposedProposed rule; comments open. | Comments due 2026-11-30 | n/a (proposal) | Federal Register | |
| US | Federal Reserve Board | Application Procedures for Board-Supervised Insured Depository Institutions Seeking Approval for a Subsidiary To Issue Payment StablecoinsProposed application procedures for bank subsidiaries seeking to issue payment stablecoins.FR Doc 2026-19899; RIN 7100-AH30; Docket R-1900Crypency explainer → | ProposedProposed rule; comments open. | Comments due 2026-11-30 | n/a (proposal) | Federal Register | |
| US | Treasury | Forms and Procedures for Review of State Certifications by the Stablecoin Certification Review CommitteeProcedures for reviewing state certifications that a state stablecoin regime is substantially similar to the federal one.FR Doc 2026-19966; RIN 1505-AC97Crypency explainer → | In forceInterim final rule effective 2026-09-30; comments open. Certifications not accepted until information-collection approval. | Comments due 2026-11-30 | 2026-09-30 | Federal Register | |
| US | SEC | Adviser and Regulated Fund Custody Rules; Crypto Custody RulesProposed custody rules for investment advisers and regulated funds, including crypto assets.FR Doc 2026-20466; RIN 3235-AN46 | ProposedProposed rule; comments open. | Comments due 2026-12-07 | n/a (proposal) | Federal Register | |
| US | Treasury / FinCEN | Proposal of Special Measure Prohibiting the Transmittal of Funds Regarding Transactions Involving the A7 Network's Sub-AgentsProposed special measure on funds transmittals involving the Russia-linked A7 Network; relevant to compliance screening.FR Doc 2026-20371; RIN 1506-AB77 | ProposedProposed rule; comments open. | Comments due 2026-11-04 | n/a (proposal) | Federal Register | |
| EU | EU (Parliament and Council) | Markets in Crypto-Assets Regulation (MiCA), Regulation (EU) 2023/1114EU rulebook for crypto-asset offers, e-money and asset-referenced tokens, and crypto-asset service providers.Regulation (EU) 2023/1114; CELEX 32023R1114Crypency explainer → | In forceApplies in full since 2024-12-30; maximum transitional period ended 2026-07-01. | Transitional period ended 2026-07-01 | 2024-06-30 (Titles III-IV); 2024-12-30 (rest) | EUR-Lex | |
| UK | FCA / HM Treasury | UK cryptoasset regime: FSMA 2000 (Cryptoassets) Regulations 2026 and FCA final rulesNew FSMA authorisation regime for UK cryptoasset activities. Application period 2026-09-30 to 2027-02-28.SI 2026/102; FCA PS26/9 to PS26/13Crypency explainer → | FinalRegulations made 2026-02-04; FCA final rules published 2026-06-30; regime expected in force 2027-10-25. | Application period closes 2027-02-28 | Expected 2027-10-25 | FCA | |
| UK | Bank of England | Policy statement and draft rules for sterling-denominated systemic stablecoinsTemporary issuance guardrail of £40bn per systemic stablecoin; up to 70% of backing in short-term UK government debt.BoE policy statement, 22 June 2026Crypency explainer → | ProposedDraft Code of Practice; feedback closed 2026-09-22; Bank intends to finalise by end-2026. | Final Code of Practice intended by end-2026 | Not yet final | Bank of England |
Cite this tracker
Cite as: Crypency, Crypto Regulation Tracker, as of 2026-10-23, https://crypency.com/regulation/tracker
For a fixed citation use the weekly archive, e.g. Crypency Regulation Tracker, week of Oct 19, 2026, https://crypency.com/regulation/tracker/2026-10-19
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