कांग्रेस बैंकों के लिए क्रिप्टो और स्टेबलकॉइन नियमों का विस्तार करने पर विचार कर रही है

Congress is reportedly weighing the expansion of cryptocurrency regulations to permit banks and credit unions to hold digital assets, issue stablecoins, and utilize blockchain technology. Fresh insights from the Congressional Research Service reveal that lawmakers are actively debating whether activities centered on digital assets and cryptocurrencies should qualify as bank-permissible operations.

The report notes that passing new legislation would yield a more lasting framework, thereby minimizing the chance of continuous regulatory shifts. Additionally, lawmakers are weighing whether a permanent solution—either permitting or restricting crypto involvement—is the best path forward. Discussions surrounding permissible banking activities have increasingly centered on crypto in recent years. While bank legislators have historically insisted that financial institutions may only engage in crypto-related pursuits if they are legally authorized and executed safely and soundly, that landscape has shifted recently alongside the rise of the second Trump administration and surging interest in digital currencies.

While the U.S. Senate continues to debate regulatory clarity for the sector, the integration of digital assets into conventional finance stays at the forefront of discussion. The SEC has already committed to drafting clearer guidelines and establishing new digital asset protocols for banks. Meanwhile, the GENIUS Act previously authorized bank-owned businesses to handle stablecoin issuance, custody, and related operations this past summer.

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Regardless of whether a given administration aims to broaden or restrict bank involvement in the digital asset space, the report indicates that the current regulatory foundation stays vulnerable to reversals unless Congress intervenes. It also highlights that a permissive regulatory approach would prompt important questions concerning capital, liquidity, anti-money-laundering compliance, and overall exposure to volatility in the crypto market.