U.S. Lawmakers Urge SEC Bitcoin 401(k) Rule Revision
- U.S. lawmakers urge SEC rule update for Bitcoin in 401(k)s.
- Potential to impact $12.5 trillion in U.S. 401(k) plans.
- Bitcoin price speculated to rise with new regulations.
U.S. lawmakers sent a letter to SEC Chairman Paul Atkins on December 11, 2025, urging action on a directive to allow cryptocurrency in 401(k) plans.
This marks a significant push to integrate crypto into retirement portfolios, potentially boosting Bitcoin’s value while redefining digital assets’ role in mainstream finance.
Lawmakers issued a letter to SEC Chairman Paul Atkins on December 11, 2025, requesting rule changes for Bitcoin inclusion in 401(k) investment options.
The push for crypto in retirement plans may increase demand for Bitcoin, potentially elevating its price to new highs.
Lawmakers Advocate for August 2025 Crypto Executive Order
U.S. lawmakers wrote to SEC Chairman Paul Atkins, advocating the enforcement of an August 2025 executive order to incorporate Bitcoin and other assets in 401(k) plans. This order mandates rule updates by the DOL and SEC.
Brian Armstrong, Coinbase CEO, suggests cryptocurrencies will become standard in retirement plans. ForUsAll, a provider, now allows up to 5% crypto allocation in these plans through Coinbase Institutional partnership.
Bitcoin’s Inclusion Could Impact $12.5 Trillion Market
Bitcoin’s potential inclusion in 401(k)s could tap into the $12.5 trillion U.S. market. This move could lead to significant demand and price increases, affecting wider financial markets.
Spot Bitcoin ETFs from BlackRock and Fidelity set a precedent, already holding significant amounts. Rule updates could mirror this, contributing further to Bitcoin’s growth within retirement accounts.
2025 Order Shifts Regulatory Stance on Crypto
The executive order resembles prior expansions like the 2025 order, which introduced alternatives such as crypto in ERISA plans. This constitutes a shift in regulatory stance from earlier cautious approaches.
With increased crypto acceptance, Bitcoin may see growing allocations in retirement plans, potentially driving its value towards $250,000, depending on adoption rates and market conditions.
“Bitcoin and other cryptocurrencies will eventually become a normal part of everyone’s 401(k).”
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