Major Breakthrough in US Cryptocurrency Regulation: House Passes Three Major Digital Asset Bills by High Votes

Core Progress:

1. The Stablecoin Trust Act (GENIUS Act)

- Passed the House with an overwhelming advantage of 308 votes in favor and 122 votes against

- Establishes regulatory standards for dollar-pegged stablecoins, including a 100% reserve requirement and monthly transparency requirements

- The bill has been submitted to the White House, awaiting presidential signature to take effect

2. The Digital Asset Clarity Act

- Clarifies the regulatory responsibilities of the SEC and CFTC, defining the standards for the classification of security and commodity tokens

- Aims to end the long-standing regulatory ambiguity faced by the industry

3. The Anti-CBDC Surveillance Act

- Prohibits the Federal Reserve from issuing retail Central Bank Digital Currencies (CBDC) without Congressional authorization

- Received bipartisan support, reflecting a shared concern for financial privacy rights

Policy Impact:

This legislative package marks a substantial advancement in the US cryptocurrency regulatory framework, providing a compliant path for the stablecoin market while balancing innovation and civil liberties by limiting the potential surveillance risks of CBDCs. Industry analysis indicates that regulatory clarity is expected to attract more institutional capital into the digital asset space. #美国众议院通过三项加密货币法案