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

143 law profiles

Law / Bill
Draft Intro Committee Passed Enacted Effective
Bank Secrecy Act Convertible Virtual Currency MSB Regime 31 CFR 1010.100(ff); Part 1022; FIN-2013-G001; FIN-2019-G001 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Bank Secrecy Act Convertible Virtual Currency Money Services Business Regime

FinCEN’s BSA regime treating certain CVC administrators and exchangers as money transmitters/MSBs, with registration, AML program, SAR, CTR, recordkeeping, and funds-transfer rules.

Last action: Apr 10, 2026 - Federal Register published FinCEN’s AML/CFT program modernization NPRM covering MSBs; comments are due June 9, 2026.

Profile GovInfo: Public Law 91-508
Gross Proceeds and Basis Reporting by Brokers for Digital Assets (TD 10000) TD 10000; 89 FR 56480; RIN 1545-BP71 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Gross Proceeds and Basis Reporting by Brokers and Determination of Amount Realized and Basis for Digital Asset Transactions

U.S. Treasury and IRS rule requiring certain digital asset brokers to report gross proceeds and, in phases, adjusted basis on Form 1099-DA.

Last action: Apr 6, 2026 - IRS published Notice 2026-20 extending temporary adequate-identification relief for digital asset units held in broker custody through 2026.

Next: Dec 31, 2026 - Temporary basis-ID relief endpoint

Profile Federal Register: TD 10000 final regulations Milestone source
Securities Act of 1933 Digital Asset Securities Regime 15 U.S.C. 77a et seq.; SEC Rel. No. 33-11412 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Securities Act of 1933 and SEC/CFTC Application of the Federal Securities Laws to Certain Types of Crypto Assets and Certain Transactions Involving Crypto Assets

U.S. Securities Act rules, supplemented by the SEC’s 2026 crypto-asset interpretation, govern when digital asset offers and tokenized instruments are securities transactions.

Last action: Mar 17, 2026 - SEC and CFTC issued Release No. 33-11412; effective March 23, 2026.

Next: Jan 18, 2027 - GENIUS phase-in backstop

Profile Securities Act of 1933 text Milestone source
Wyoming Stable Token Act SF0127 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Sponsored by Select Committee on Blockchain, Financial Technology and Digital Innovation Technology (NP)

AN ACT relating to trade and commerce; creating the Wyoming Stable Token Act; creating the Wyoming stable token commission; authorizing issuance of Wyoming stable tokens.

Wyoming law creating a state stable token commission and authorizing U.S. dollar-redeemable stable tokens backed through statutory trust, reserve, liquidity, redemption, procurement, and liability provisions.

Last action: Mar 6, 2026 - 2026 SF0021 signed and assigned Chapter 55, amending reserve, liquidity and interstate-agreement provisions; original SF0127 became law March 17, 2023.

Profile State source Wyoming Session Laws 2023, Chapter 185
Wyoming Virtual Currency Kiosk Act HB0075 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Sponsored by Rep. Kenneth Clouston (R)

AN ACT relating to trade and commerce; providing for the operation of virtual currency kiosks as specified; providing definitions; providing penalties; specifying applicability; requiring rulemaking; and providing for effective dates.

Wyoming HB0075 creates W.S. 40-32-101 through 40-32-103 for virtual currency kiosks, limiting operation to licensed money transmitters or Wyoming-chartered financial institutions and directing Banking Commissioner rules.

Last action: Mar 6, 2026 - Governor signed HEA No. 0019; act assigned Chapter Number 60.

Profile State source HB0075 Enrolled Act No. 19
Nebraska Digital Asset Depository Regime LB 649 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Sponsored by Sen. Mike Flood (NP)

Nebraska Financial Innovation Act

Nebraska’s Financial Innovation Act creates a state digital asset depository charter regime for custody, stablecoin issuance, payment activity, AML controls, disclosures, and supervision.

Last action: Feb 26, 2026 - LB717 amendments to the digital asset depository framework became operative on Feb. 26, 2026.

Profile State source Nebraska Legislature § 8-3001
Nebraska Controllable Electronic Record Fraud Prevention Act LB 609 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Sponsored by Sen. Eliot Bostar (NP)

Controllable Electronic Record Fraud Prevention Act

Nebraska’s 2025 law regulates crypto kiosks through money-transmitter licensing, disclosures, fraud controls, transaction limits, fee caps and refund obligations.

Last action: Feb 25, 2026 - LB609 signed Mar. 11, 2025; LB717 amendment signed Feb. 25, 2026 and effective Jul. 18, 2026.

Profile State source NDBF Controllable Electronic Record Fraud Prevention Act page
Nebraska Financial Innovation Act LB649 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Sponsored by Sen. Mike Flood (R)

Nebraska Financial Innovation Act

Nebraska’s Financial Innovation Act creates a state digital asset depository charter for custody, stablecoin issuance, payment activity, disclosures, and NDBF supervision.

Last action: Feb 25, 2026 - NDBF correspondence states LB717 was signed Feb. 25, 2026, with changes effective July 18, 2026; review codification after effective date.

Profile State source
OCC Interpretive Letter 1186 Bank Crypto-Asset Network Fees OCC Interpretive Letter No. 1186 Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

Authority of National Banks to Hold Crypto-Assets as Principal and Pay Crypto-Asset Network Fees as Incidental to a Permissible Banking Activity

OCC Interpretive Letter 1186 confirms that national banks may pay crypto-asset network fees and hold necessary crypto-assets for foreseeable fee needs or testing.

Last action: Feb 25, 2026 - GENIUS Act NPRM cited IL 1186

Profile OCC Interpretive Letter 1186 PDF
New York NYDFS Virtual Currency Assessment Regulation 23 NYCRR Part 102; DFS-03-23-00002-A Effective Details Draft Draft: Completed Intro Introduced: Completed Committee In committee: Completed Passed Passed: Completed Enacted Enacted: Completed Effective Effective: Current

23 NYCRR Part 102: Virtual Currency Licensee Assessments

NYDFS Part 102 establishes how BitLicensees are assessed for DFS supervision and examination costs, using quarterly bills, a final true-up, custody and transaction metrics, and special assessments.

Last action: Jan 13, 2026 - DFS 2026 agency review

Profile Text of 23 NYCRR Part 102

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