US Crypto Rules Shift From Blocking to Building in 2026

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Crypto regulation in the United States is entering a new phase in 2026, moving from restriction toward structured integration. In December, the Federal Deposit Insurance Corporation outlined a proposal allowing banks to issue dollar-pegged stablecoins under the GENIUS framework passed in mid-2025. Banks would be required to issue stablecoins via subsidiaries, with both the parent bank and subsidiary subject to FDIC audits and financial soundness reviews.

At the same time, the Federal Reserve rescinded earlier guidance that discouraged banks from engaging in crypto activity. This opens the door for banks to custody digital assets and offer crypto-related services. Lawmakers are also expected to pass the CLARITY Act in 2026, a comprehensive framework covering asset classification, taxation and issuance — a move widely seen as a turning point for US crypto adoption.

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ppl dont realize how big it is that banks can custody crypto without side-eye now