New Rules for Digital Money in America

A Shift in Digital Asset Policy

The U.S. government has rolled out a comprehensive set of guidelines aimed at reshaping the future of digital money and technology. Effective since January 23, 2025, these regulations remain in force as of June 2026, positioning America to take a stronger stance in the global digital finance landscape while ensuring transparency and fairness.

Key Changes in Digital Asset Regulation

1. Rolling Back Prior Policies

The new order reverses earlier directives that had encouraged digital asset activities. It nullifies a 2022 policy and instructs the Treasury to dismantle an international framework built on that foundation—paving the way for a fresh, streamlined approach.

2. A New Task Force for Digital Finance

A specialized group has been formed within the National Economic Council, led by an advisor specializing in AI and cryptocurrency. This team will:

Audit existing digital money regulations
Identify contradictions and inefficiencies
Recommend reforms within six months, potentially leading to new laws

3. Strict Limits on CBDCs

The government has prohibited federal agencies from creating or promoting Central Bank Digital Currencies (CBDCs)—unless explicitly authorized by law.

Core Principles for Digital Assets

The new framework prioritizes: ✅ Open, legally compliant blockchain networks ✅ U.S. dollar-backed stablecoins for stability ✅ Technology-neutral regulations to prevent bias ✅ Enhanced consumer protection, risk management, and market oversight

First Major Report: A Roadmap Without Legal Force

On July 30, 2025, the working group released its initial findings, covering:

Market structure and regulatory gaps
Banking policies for digital assets
Stablecoin regulations and AML measures
Decentralized finance (DeFi) and tax implications

Important: These are recommendations only—not legally binding laws.

Who’s Affected?

The new rules impact:

Digital exchange operators
Custody service providers
Stablecoin issuers & wallet providers
Miners, validators, and banks handling digital assets
Consumers using these services

Note: The order does not create enforceable legal rights against the government.

For a complete understanding, consider:

Prior crypto-related executive orders
Recent actions on digital asset stockpiles

Each policy carries its own legal nuances and enforcement plans.