SEC and CFTC Push Forward on Crypto Rules: What Bitcoin, XRP and Altcoin Holders Must Know

Welcome to another week of crypto building w/out constraints of Clarity Act…

SEC & CFTC already guiding the way.

Two years to upgrade financial system.

If last week is any indication, the politicians who voted against Clarity will be paying w/ stablecoins & trading tokenized…

— Nate Geraci (@NateGeraci) September 28, 2026

Without waiting for a compromise on Capitol Hill, the agencies have stepped up their own rulemaking efforts:

• SEC initiatives: The commission is advancing a proposed Regulation Crypto Assets, which would introduce flexible registration exemptions for crypto startups, with limits of up to $5 million and $75 million. Public hearings on the proposal will continue through October 20. The shift in direction is also reflected within the agency: Commissioner Hester Peirce publicly called the previous hard-line approaches "infantilizing investors."
• CFTC plan: Commission Chairman Michael Selig confirmed that the agency is using its current authority to shape the market structure. The agency has already updated its rules for accounting for tokenized assets and sent a comprehensive regulatory proposal to the White House for approval.
• Project Crypto: The regulators' actions are being coordinated under an interagency agreement that divides digital assets into five basic categories, from digital commodities to securities.