The Crypto Clarity Act of 2025 is a landmark U.S. bill designed to establish a transparent and consistent regulatory framework for digital assets. Passed by the House in July 2025, the Act clearly defines the roles of the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC). The SEC will oversee early-stage digital tokens tied to investment contracts, while the CFTC will regulate mature, decentralized cryptocurrencies as commodities. It also introduces provisions for exchange registration, anti-money laundering compliance, recordkeeping, and exemptions for secondary market trades. The Act sets maturity criteria to help determine a crypto asset’s regulatory path. Supporters argue it reduces uncertainty and promotes innovation, while critics warn it could weaken investor protections. The bill now moves to the Senate.
