As of 2025, many U.S. states have their own crypto regulations with little uniformity. However, there are two U.S. federal laws (see
GENIUS Act and
CLARITY Act), and Europe has its own regulations (see
MiCA).
There is also U.S. legislation prohibiting a central bank digital currency (see
Project Hamilton). All digital assets in the U.S. fall under the following federal agencies. See
crypto glossary.
Securities and Exchange Commission (SEC)
If asset is considered a security.
Commodity Futures Trading Commission (CFTC)
If asset is considered a commodity or derivative.
Financial Crimes Enforcement Network (FinCEN)
If asset is used in money laundering and counterfeiting.