{"id":884585,"date":"2026-01-13T06:12:04","date_gmt":"2026-01-13T12:12:04","guid":{"rendered":"https:\/\/newsycanuse.com\/index.php\/2026\/01\/13\/3-days-until-the-us-senate-reshapes-crypto-be-very-careful\/"},"modified":"2026-01-13T06:12:04","modified_gmt":"2026-01-13T12:12:04","slug":"3-days-until-the-us-senate-reshapes-crypto-be-very-careful","status":"publish","type":"post","link":"https:\/\/newsycanuse.com\/index.php\/2026\/01\/13\/3-days-until-the-us-senate-reshapes-crypto-be-very-careful\/","title":{"rendered":"3 Days Until the US Senate Reshapes Crypto | Be Very Careful\u2026"},"content":{"rendered":"<div>\n<p><a href=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days.jpg\" data-caption><img loading=\"lazy\" decoding=\"async\" width=\"696\" height=\"365\"   alt=\"3 Days Until the US Senate Reshapes Crypto | Be Very Careful...\" title=\"Web_Spot_Crypto-pump-in-11-days\" data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='696'%20height='365'%20viewBox='0%200%20696%20365'%3E%3C\/svg%3E\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-696x365.jpg\" srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-696x365.jpg 696w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-300x158.jpg 300w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-1024x538.jpg 1024w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-768x403.jpg 768w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-800x420.jpg 800w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days-1068x561.jpg 1068w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/Web_Spot_Crypto-pump-in-11-days.jpg 1200w\"><\/a><\/p>\n<h4><strong>Everyone watches charts. However, very few watch lawmakers. That\u2019s a mistake. On January 15th, the U.S. Senate could reshape how crypto operates. Straight at the heart of the largest financial center in the world. This bill won\u2019t tell you which coin pumps next. It decides which parts of crypto are allowed to grow at all.\u00a0<\/strong><\/h4>\n<p><span>Institutions care about rules. Developers care about certainty. You, as an investor, should care about both. Ignoring regulation doesn\u2019t make it irrelevant. It just removes your advantage. You don\u2019t need fear. You need context. And context turns noise into strategy. This crypto bill should give this context.<\/span><\/p>\n<h5><strong>The Senate \u201cCrypto Market-Structure\u201d Bill<\/strong><\/h5>\n<p><span>The Senate \u201ccrypto market-structure\u201d bill is what we\u2019re talking about. This is also known as the Senate crypto market structure draft. <\/span><span>Senators <a href=\"https:\/\/www.gillibrand.senate.gov\/\" target=\"_blank\" rel=\"noopener\">Gillibrand<\/a> and <\/span><span><a href=\"https:\/\/www.lummis.senate.gov\/\" target=\"_blank\" rel=\"noopener\">Lummis<\/a> are the driving forces behind this. It is interesting that they represent both parties. Gillibrand is a Democrat from New York. Lummis is a Republican from Wyoming. Bipartisan efforts are paving the way. US politics could use a lot more of this.<\/span><\/p>\n<p><span>We\u2019re not talking about one specific bill here. This is a sweeping bill that introduces major, wide-ranging changes. I will get to that in a moment what these bills are.\u00a0<\/span><\/p>\n<h6><b><i>January 15th<\/i><\/b><\/h6>\n<p><span>Initially there was talk of passing this bill before Christmas. However, that was counting outside of reality. The Senate was on leave, and this wasn\u2019t relevant enough to reassemble. <\/span><span>Nonetheless, the bill is back on track, and a new date is set for January 15th. See the picture below.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"Crypto bill\" width=\"1008\" height=\"794\"   data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1008'%20height='794'%20viewBox='0%200%201008%20794'%3E%3C\/svg%3E\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/FireShot-Pro-Webpage-Capture-1101-www.banking.senate.gov_.png\" srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/FireShot-Pro-Webpage-Capture-1101-www.banking.senate.gov_.png 1008w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/FireShot-Pro-Webpage-Capture-1101-www.banking.senate.gov_-300x236.png 300w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/FireShot-Pro-Webpage-Capture-1101-www.banking.senate.gov_-768x605.png 768w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/FireShot-Pro-Webpage-Capture-1101-www.banking.senate.gov_-533x420.png 533w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2026\/01\/FireShot-Pro-Webpage-Capture-1101-www.banking.senate.gov_-696x548.png 696w\"><\/p>\n<p><em>Source: <a href=\"https:\/\/www.banking.senate.gov\/imo\/media\/doc\/senate_banking_committee_digital_asset_market_structure_legislation_discussion_draft.pdf\" target=\"_blank\" rel=\"noopener\">Banking Senate<\/a><\/em><\/p>\n<p><span>In mid-December, both Senator Gillibrand and Lummis attended the Blockchain Association Policy Summit in Washington. <\/span><span>There, they both said that a full draft was coming that week. That draft is now available and instead was released today.\u00a0<\/span><\/p>\n<p><span>Now, this bill will be very positive for the crypto market. <\/span><span>It\u2019s intended to create a comprehensive regulatory framework for digital assets.\u00a0<\/span><\/p>\n<h6><b><i>Bypassing the SEC<\/i><\/b><\/h6>\n<p><span>For example, it decides which regulator oversees which type of crypto products. <\/span><span>Both the <a href=\"https:\/\/www.altcoinbuzz.io\/?s=sec\" target=\"_blank\" rel=\"noopener\">SEC<\/a> and the Commodity Futures Trading Commission are in play for this. <\/span><span>However, in the latest twist, the bill is looking to sideline the SEC in relation to crypto. This is massive news and has the potential to change the whole playing field.<\/span><\/p>\n<blockquote>\n<p dir=\"ltr\" lang=\"en\">BREAKING:<\/p>\n<p>THE U.S. SENATE JUST SUBMITTED A BILL<br \/>\nTO KEEP THE SEC OUT OF CRYPTO. \ud83c\uddfa\ud83c\uddf8<\/p>\n<p>IF THIS PASSES,<br \/>\nTHE ENTIRE PLAYING FIELD CHANGES OVERNIGHT. <a href=\"https:\/\/t.co\/cm95lig54j\">pic.twitter.com\/cm95lig54j<\/a><\/p>\n<p>\u2014 Merlijn The Trader (@MerlijnTrader) <a href=\"https:\/\/twitter.com\/MerlijnTrader\/status\/2007723674112274536?ref_src=twsrc%5Etfw\">January 4, 2026<\/a><\/p>\n<\/blockquote>\n<p><span>This bill also addresses various other crypto bottlenecks. Like,<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Decentralized finance, or <a href=\"https:\/\/www.altcoinbuzz.io\/category\/defi\/\" target=\"_blank\" rel=\"noopener\">DeFi<\/a>.<\/span><\/li>\n<li aria-level=\"1\"><span>Token classification. Are tokens securities vs commodities vs network tokens.<\/span><\/li>\n<li aria-level=\"1\"><span>Anti-money-laundering \/ illicit-finance provisions.<\/span><\/li>\n<\/ul>\n<p><span>The draft aims to go beyond earlier bills like the Clarity Act. This draft is being developed via a <a href=\"https:\/\/notabene.id\/post\/us-crypto-market-structure-draft-bill-coming-this-week\" target=\"_blank\" rel=\"noopener\">two-committee<\/a> approach:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>The Senate Banking Committee. This handles SEC-facing issues (securities definitions, investor protections, etc.)\u00a0<\/span><\/li>\n<li aria-level=\"1\"><span>The Senate Agriculture Committee. This handles digital-commodity oversight (CFTC jurisdiction, commodities, stablecoins\/crypto-commodities).<\/span><\/li>\n<\/ul>\n<p><span>So, there\u2019s a lot at stake here. Such a bill will have wide-ranging implications for crypto regulation. So, first, let\u2019s take a look at what kind of bills we\u2019re looking at.<\/span><\/p>\n<h5><strong>What Is This Draft Covering?<\/strong><\/h5>\n<p><span>Before we look at what this draft covers, let\u2019s first see which bills have already passed. We have, for instance,\u00a0<\/span><\/p>\n<h6><b><i>The GENIUS Act<\/i><\/b><\/h6>\n<p><span>Its full name is the <a href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/senate-bill\/394\/text\" target=\"_blank\" rel=\"noopener\">Generating E-Currency Now and Ensuring Usage Act<\/a>. This is the first U.S. federal law regulating payment stablecoins. It creates a framework for private digital currencies by establishing rules for,<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Reserves. Like 1:1 backing with cash or Treasuries.<\/span><\/li>\n<li aria-level=\"1\"><span>Licensing issuers. For example, banks or fintechs.<\/span><\/li>\n<li aria-level=\"1\"><span>Ensuring consumer protection. An example is priority claims in bankruptcy.<\/span><\/li>\n<li aria-level=\"1\"><span>Requiring AML\/sanctions compliance.<\/span><\/li>\n<\/ul>\n<p><span>All this aims to bring stability and clarity to the growing digital asset market. However, this is stablecoin-specific. It doesn\u2019t cover the broader category of crypto. That\u2019s where Lummis and Gillibrand come into the picture.\u00a0<\/span><\/p>\n<p><span>For instance, the House already passed the CLARITY Act. It\u2019s now up in the Senate and is under consideration and negotiation. So, here\u2019s what this act is about.<\/span><\/p>\n<h6><b><i>The CLARITY Act<\/i><\/b><\/h6>\n<p><span>Its real name is the <a href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/house-bill\/3633\/text\" target=\"_blank\" rel=\"noopener\">Digital Asset Market Clarity Act<\/a>. This is a U.S. House bill. It aims to create a clear regulatory framework for digital assets. It divides them into digital commodities, investment contracts (securities), and permitted payment stablecoins. <\/span><span>Thus, it grants the <a href=\"https:\/\/www.cftc.gov\/\" target=\"_blank\" rel=\"noopener\">CFTC<\/a> authority over commodities and <\/span><span>the <a href=\"https:\/\/www.sec.gov\/\" target=\"_blank\" rel=\"noopener\">SEC<\/a> over securities. It defines a digital commodity by its value being tied to its blockchain network. At the same time, it excludes securities and stablecoins. It aims to boost U.S. innovation by providing clear rules.\u00a0<\/span><\/p>\n<p><span>However, what Lummis and Gillibrand are pushing goes well beyond the Clarity Act. This act gives clarity to coins and assets. The Lummis and Gillibrand Act is a broader \u201cmarket-structure\u201d bill. <\/span><span>It covers the full crypto ecosystem. This draft explicitly builds off CLARITY. However, it expands its scope.\u00a0 It would codify CFTC authority over digital commodities, like,<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Spot trading.<\/span><\/li>\n<li aria-level=\"1\"><span>DeFi exchanges.<\/span><\/li>\n<li aria-level=\"1\"><span>Token classifications.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><span>Anti-money-laundering (AML) provisions.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><span>Stablecoin rules.<\/span><\/li>\n<\/ul>\n<p><span>So, the Lummis-Gillibrand version isn\u2019t just about giving clarity to coins and assets, as CLARITY does. It\u2019s about how the entire U.S. crypto ecosystem will be regulated. This includes exchanges, stablecoins, DeFi, token classification, compliance, and more.\u00a0<\/span><\/p>\n<p><span>That means bigger regulatory impact, more stakeholders, and potentially more debate. But also, a more comprehensive and durable legal framework. And there is the issue at hand. More debate. Will Lummis-Gillibrand be able to push this through before the Christmas recess?<\/span><\/p>\n<h5><strong>What Can We Expect on January 15th?<\/strong><\/h5>\n<p><span>On January 15th we can expect a markup hearing. This is the action phase where a bill is actually shaped and edited. This follows the information-gathering in hearings. It is the first formal committee vote on the bill\u2019s language. <\/span><span>The committee needs to approve this before it can go to the Senate floor for a vote. So, this bill aims to resolve the years-long SEC\u2013CFTC jurisdictional conflict.\u00a0<\/span><\/p>\n<p><span>With this latest update, the SEC might get sidelined. It gives the CFTC exclusive jurisdiction over two important features in digital commodities:\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Secondary market cash.<\/span><\/li>\n<li aria-level=\"1\"><span>Spot transactions.<\/span><\/li>\n<\/ul>\n<p><span>This indicates a big shift. It will decrease the influence of the SEC over crypto markets. That\u2019s because if a token qualifies as a digital commodity under the law, it now falls under the CFTC. So, anybody handling trade execution would register with and primarily answer to the CFTC. <\/span><span>Currently, the SEC handles this. That\u2019s a big shift for trading venues, brokers, and dealers.<\/span><\/p>\n<h6><b><i>Critics<\/i><\/b><\/h6>\n<p><span>Democrat Senator Mark Warner and Republican Senator Bernie Moreno were critical of the bill. <\/span><span>They are looking for careful drafting and oversight. They\u2019re not against the bill; however, they will not support a poorly designed bill.<\/span><\/p>\n<blockquote>\n<p dir=\"ltr\" lang=\"en\">\ud83d\udea8NEW: At <a href=\"https:\/\/twitter.com\/moonpay?ref_src=twsrc%5Etfw\">@moonpay<\/a>\u2019s New York<br \/>\noffice today, Senator <a href=\"https:\/\/twitter.com\/MarkWarner?ref_src=twsrc%5Etfw\">@MarkWarner<\/a> told me that getting a crypto market structure markup done before Christmas break will be \u201cvery hard\u201d because they are still waiting on White House language for two major pieces of the bill: ethics and quorum.<\/p>\n<p>\u201cAt\u2026 <a href=\"https:\/\/t.co\/73QFxQQHY4\">pic.twitter.com\/73QFxQQHY4<\/a><\/p>\n<p>\u2014 Eleanor Terrett (@EleanorTerrett) <a href=\"https:\/\/twitter.com\/EleanorTerrett\/status\/1998096851916956121?ref_src=twsrc%5Etfw\">December 8, 2025<\/a><\/p>\n<\/blockquote>\n<p><span>There\u2019s also a high procedural complexity. To pass, the bill needs to clear multiple committees. Like the Banking, Agriculture, and possibly more committees. It also needs to reconcile conflicting House and Senate versions. Finally, it needs to secure a White House sign-off.\u00a0<\/span><\/p>\n<p><span>If this passes, it will give the crypto markets a well-deserved boost. However, we\u2019re looking at a 4- to 6-week window at best before this bill gets to the final Senate vote. A realistic scenario is 2 to 4 months.<\/span><\/p>\n<p><span>What do you think is a realistic time frame for this bill? Let me know in the comments, and make sure to follow us on <a href=\"https:\/\/x.com\/Altcoinbuzzio\" target=\"_blank\" rel=\"noopener\">X<\/a> and <a href=\"https:\/\/discord.gg\/p8524Xu9\" target=\"_blank\" rel=\"noopener\">Discord<\/a>.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\"   alt width=\"1197\" height=\"148\" src=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1.jpg\" srcset=\"https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1.jpg 1197w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1-300x37.jpg 300w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1-1024x127.jpg 1024w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1-768x95.jpg 768w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1-696x86.jpg 696w, https:\/\/www.altcoinbuzz.io\/wp-content\/uploads\/2023\/09\/Alpha_website_leaderboard-banner-1-1068x132.jpg 1068w\" data-sizes=\"(max-width: 1197px) 100vw, 1197px\" data-ll-status=\"loaded\" data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1197'%20height='148'%20viewBox='0%200%201197%20148'%3E%3C\/svg%3E\"><\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/4KZZmxazBEI\" data-id=\"4KZZmxazBEI\" data-query=\"feature=oembed\" onclick=\"perfmattersLazyLoadYouTube(this);\">\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"YouTube video\" width=\"480\" height=\"360\" data-pin-nopin=\"true\" nopin=\"nopin\" data-old-src=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='480'%20height='360'%20viewBox='0%200%20480%20360'%3E%3C\/svg%3E\" src=\"https:\/\/i.ytimg.com\/vi\/4KZZmxazBEI\/hqdefault.jpg\"><\/p>\n<\/div>\n<p>Disclaimer<\/p>\n<p>The information discussed by Altcoin Buzz is not financial advice. This is for educational, entertainment, and informational purposes only. Any information or strategies are thoughts and opinions relevant to accepted levels of risk tolerance of the writer\/reviewers, and their risk tolerance may be different from yours.<\/p>\n<p>We are not responsible for any losses that you may incur as a result of any investments directly or indirectly related to the information provided. Bitcoin and other cryptocurrencies are high-risk investments, so please do your due diligence.<\/p>\n<p>Copyright Altcoin Buzz Pte Ltd.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/www.altcoinbuzz.io\/regulations\/3-days-until-the-us-senate-reshapes-crypto-be-very-careful\/\" class=\"button purchase\" rel=\"nofollow noopener\" target=\"_blank\">Read More<\/a><br \/>\n Christeen Mayoral<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Everyone watches charts. However, very few watch lawmakers. That\u2019s a mistake. On January 15th, the U.S. Senate could reshape how crypto operates. Straight at the heart of the largest financial center in the world. This bill won\u2019t tell you which coin pumps next. It decides which parts of crypto are allowed to grow at all.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":884586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22721,2541],"tags":[],"class_list":{"0":"post-884585","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-senate","8":"category-until"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/884585","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/comments?post=884585"}],"version-history":[{"count":0,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/884585\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media\/884586"}],"wp:attachment":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media?parent=884585"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/categories?post=884585"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/tags?post=884585"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}