#美国加密立法

The United States is accelerating the construction of a cryptocurrency regulatory system, with legislative battles at both federal and state levels reshaping the industry landscape. The House of Representatives passed the "21st Century Financial Innovation and Technology Act" (FIT21), clarifying the division of responsibilities between the SEC and CFTC: the SEC regulates security tokens, while the CFTC oversees Bitcoin and other digital commodities, and innovatively defines the standard for "decentralization" (a single entity holding ≤20%). The legislation on stablecoins has faced ups and downs; the Senate's "GENIUS Act" was rejected by a 48:49 vote due to demands from the ** party to prohibit officials from participating in cryptocurrency businesses, but the market anticipates negotiations may resume before August.

State-level policies are showing divergence: New Hampshire signed HB 302, allowing the state treasury to allocate up to 5% of public funds (approximately $181 million) to invest in Bitcoin, setting a precedent for local government reserves; states like North Carolina and Texas are following suit, while states like Florida have rejected similar proposals due to risk concerns.