Policy Reference

United States

Explore US crypto laws, including SEC and CFTC oversight, exchange rules, taxes, AML compliance, and digital asset regulation.

SEC and CFTC, with FinCEN for AML/MSB obligations

State Explorer

United States state crypto law tracker

Track state-level crypto legislation, strategic reserve proposals, licensing regimes, and enforcement frameworks.

50States tracked 41With profiles
Interactive United States map showing state-level crypto law coverage status.
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Alabama AL In progress 1 profile Alaska AK In progress 0 profiles Arizona AZ Active framework 4 profiles Arkansas AR Active framework 3 profiles California CA Comprehensive framework 3 profiles Colorado CO Active framework 2 profiles Connecticut CT Active framework 2 profiles Delaware DE Active framework 3 profiles Florida FL Active framework 3 profiles Georgia GA Active framework 3 profiles Hawaii HI Active framework 0 profiles Idaho ID In progress 2 profiles Illinois IL Comprehensive framework 5 profiles Indiana IN Active framework 1 profile Iowa IA Active framework 3 profiles Kansas KS Active framework 2 profiles Kentucky KY Active framework 0 profiles Louisiana LA Comprehensive framework 3 profiles Maine ME In progress 2 profiles Maryland MD Active framework 3 profiles Massachusetts MA In progress 3 profiles Michigan MI Active framework 3 profiles Minnesota MN Active framework 2 profiles Mississippi MS Active framework 0 profiles Missouri MO Active framework 1 profile Montana MT Active framework 2 profiles Nebraska NE Active framework 3 profiles Nevada NV Active framework 2 profiles New Hampshire NH Active framework 2 profiles New Jersey NJ In progress 0 profiles New Mexico NM Active framework 0 profiles New York NY Comprehensive framework 5 profiles North Carolina NC Active framework 5 profiles North Dakota ND Active framework 1 profile Ohio OH In progress 5 profiles Oklahoma OK In progress 6 profiles Oregon OR Active framework 0 profiles Pennsylvania PA Active framework 2 profiles Rhode Island RI Active framework 1 profile South Carolina SC Active framework 1 profile South Dakota SD Active framework 3 profiles Tennessee TN Active framework 4 profiles Texas TX Active framework 4 profiles Utah UT Active framework 2 profiles Vermont VT Active framework 0 profiles Virginia VA In progress 2 profiles Washington WA Active framework 1 profile West Virginia WV Active framework 0 profiles Wisconsin WI Active framework 1 profile Wyoming WY Comprehensive framework 8 profiles
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Law database

142 law profiles

Law / Bill
Draft Intro Committee Passed Enacted Effective
Tennessee UCC Controllable Electronic Records Amendments SB 1859 / HB 1800 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Sen. John Stevens (R)

AN ACT to amend Tennessee Code Annotated, Title 47, relative to the Uniform Commercial Code.

Tennessee Public Chapter 704 incorporates 2018 and 2022 UCC amendments into Title 47, including controllable electronic records, control, perfection, priority, electronic money, and transition rules effective July 1, 2026.

Last action: Apr 24, 2026 - Public Chapter 704 assigned; effective date recorded as 07/01/2026.

Next: Jul 1, 2026 - Effective date

Profile State source Tennessee Public Chapter 704
Alabama Cryptocurrency Kiosk Fraud Prevention Act HB303 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Rep. Russell Bedsole (R)

Cryptocurrency Kiosk Fraud Prevention Act

Alabama HB303 adds crypto kiosk fraud safeguards, transaction limits, refund rules, privacy-coin restrictions, and ASC enforcement authority effective Oct. 1, 2026.

Last action: Apr 8, 2026 - Enacted as Alabama HB303; the enrolled text states the Act becomes effective on Oct. 1, 2026.

Next: Oct 1, 2026 - Act takes effect

Profile State source Alabama HB303 enrolled text
South Dakota Digital Currency Search and Seizure Amendments SB 43 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Senate Judiciary Chair at request of Attorney General (Unknown)

An Act to address search and seizure provisions applicable to digital currency.

South Dakota SB 43 amends criminal-procedure search-and-seizure provisions so property includes digital currency and defines digital currency for Chapter 23A-35. Signed in March 2026; effective July 1, 2026.

Last action: Mar 12, 2026 - Signed by the Governor on March 11, 2026; recorded in the Senate Journal on March 12, 2026.

Next: Jul 1, 2026 - Default effective date review

Profile State source SB 43 Enrolled Text Milestone source
Indiana Public Retirement Plan Crypto Investment Option HB 1042 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Rep. Kyle Pierce (R)

House Enrolled Act No. 1042, Regulation and investment of cryptocurrency

Indiana HEA 1042 requires covered state retirement and savings programs to offer, by July 1, 2027, a self-directed brokerage account with at least one crypto investment option; it also limits some state/local restrictions on digital asset activity.

Last action: Mar 3, 2026 - Signed by the Governor and recorded as Public Law 49.

Next: Jul 1, 2026 - Statutory effective date

Profile State source HEA 1042 enrolled text
GENIUS Act S. 1582 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Sen. Bill Hagerty [R-TN] (R)

Guiding and Establishing National Innovation for U.S. Stablecoins Act

U.S. Public Law 119-27 creates a federal framework for payment stablecoin issuers, reserves, disclosures, AML/sanctions duties, and federal-state oversight.

Last action: Jul 18, 2025 - Became Public Law No. 119-27.

Next: Jul 18, 2026 - Regulator Rulemaking Deadline

Profile Public Law 119-27: GENIUS Act Milestone source
Virginia Money Transmission Modernization Act: Virtual Currency Treatment HB 1942 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Del. Joshua G. Cole (D)

Financial institutions; regulation of money transmitters, penalty, effective date.

Virginia’s 2025 MTMA-style law creates a new money-transmitter framework effective July 1, 2026. It defines virtual currency but excludes it from “money.”

Last action: Mar 21, 2025 - Approved by Governor as Acts of Assembly Chapter 214; delayed effective date July 1, 2026.

Next: Jul 1, 2026 - Delayed effective date

Profile State source Code of Virginia Chapter 19.1, Money Transmitters
California DFAL Stablecoin Amendments AB 1934 Enacted Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Current Effective Effective: Pending

Sponsored by Assemblymember Tim Grayson

AB 1934, Digital financial asset businesses; Digital Financial Assets Law stablecoin amendments

California amendments to DFAL that delay licensing and stablecoin operative dates to July 1, 2026, add monthly compliance records, and allow DFPI-approved stablecoins subject to conditions.

Last action: Sep 29, 2024 - Chaptered by Secretary of State as Chapter 945, Statutes of 2024.

Next: Jul 1, 2026 - Stablecoin chapter operative

Profile State source Milestone source
New Hampshire Blockchain Basic Laws (HB 639) HB 639-FN Passed Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Current Enacted Enacted: Pending Effective Effective: Pending

Sponsored by Keith Ammon (R)

AN ACT relative to the use of and disputes over blockchain and digital currencies

New Hampshire HB 639 would protect digital-asset payments and self-custody, address mining and staking treatment, and create a blockchain dispute docket.

Last action: Jun 4, 2026 - Conference report #2026-2065c adopted; both House and Senate statuses show conference report adopted.

Profile State source
United States Digital Asset Market Clarity Act H.R. 3633 Passed Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Current Enacted Enacted: Pending Effective Effective: Pending

Sponsored by Rep. J. French Hill (R)

To provide for a system of regulation of the offer and sale of digital commodities by the Securities and Exchange Commission and the Commodity Futures Trading Commission, to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.

Federal market-structure bill that would divide digital-asset oversight between the SEC and CFTC, set intermediary rules, address self-custody and BSA coverage, and add anti-CBDC provisions. Pending Senate floor action as of June 3, 2026.

Last action: Jun 1, 2026 - Placed on Senate Legislative Calendar under General Orders, Calendar No. 423; reported by Sen. Scott with an amendment in the nature of a substitute.

Profile H.R. 3633 bill page
Anti-CBDC Surveillance State Act H.R. 1919 / S. 1318 Passed Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Current Enacted Enacted: Pending Effective Effective: Pending

Sponsored by Rep. Tom Emmer (R)

Anti-CBDC Surveillance State Act

H.R. 1919 would bar Federal Reserve retail CBDC issuance, direct consumer accounts, CBDC development, and CBDC monetary-policy use. It passed the House and is pending Senate action.

Last action: Apr 29, 2026 - Message on House action for S. 1318 received in Senate at the desk after House attached the Anti-CBDC title.

Profile H.R. 1919 engrossed House text

Information is for general purposes only and not legal advice. See full disclaimer.