New U.S. Crypto Bill Streamlines Regulations, Broadens Retail Access

The United States has launched a notable crypto market structure bill spearheaded by the House Financial Services and Agriculture Committees in May 2025.

This legislation is pivotal as it redefines oversight and boosts retail investor access, reflecting policy shifts favoring decentralization. The legislation represents a much more balanced approach than previous proposals.

SEC and CFTC Remit Clearly Defined

The new U.S. crypto bill introduces a distinct separation of duties between the SEC and CFTC. Retail barriers are reduced, marking a shift towards more inclusive investment opportunities. Major contributors include Justin Slaughter from Paradigm commenting on maintaining the CFTC’s lead.

“The new bill maintains the CFTC in a leading role while allowing the SEC some control until projects demonstrate true decentralization.” — Justin Slaughter

SEC will manage investment contracts, while the CFTC supervises commodities. For more insights, check out Strengthening American Leadership in Digital Financial Technology.

Bill Enhances Retail Crypto Market Participation

The regulation’s rollout has generated varied responses with positive implications for retail investors, allowing them broader accessibility to participate in crypto markets earlier. Financial sectors expect a more unified and clear regulatory framework, potentially smoothing market participation. Political circles are divided over stablecoin controls included in related discussions.

FIT21 vs. New Bill: Oversight and Authority Expanded

Compared to the previous FIT21 proposal, this bill is seen as providing balanced oversight, enhancing the SEC’s role while expanding the CFTC’s authority. Experts anticipate expanded market transparency and improved compliance, driven by the bill’s structured regulatory approach and decentralization incentives.

Disclaimer: The information on this website is for informational purposes only and does not constitute financial or investment advice. Cryptocurrency markets are volatile, and investing involves risk. Always do your own research and consult a financial advisor.