- Senate delays crypto market structure bill to 2026 extending regulatory uncertainty for digital asset firms.
- Budget deadlines and limited calendar time push crypto legislation behind higher congressional priorities.
- Lack of committee coordination slows progress on defining federal oversight of crypto markets.
The Senate Banking Committee of the U.S. has confirmed that the bill on the crypto market structure will proceed in 2026. This committee will not mark up until after 2025. This ruling eliminates the chances of any legislative action in the current session. Consequently, the regulatory clarity of digital assets is still delayed.
The announcement is made in the last week of the year’s legislative session. The lawmakers are on their way out of Washington for the holiday recess. There was less time to act and conflicting interests, which restricted the committee. This delay is a confirmation that there will be no full crypto legislation this year.
Senate Calendar Limits Legislative Movement
The Senate Banking Committee reached the end of its workable calendar for 2025. Although bipartisan talks continued, the schedule prevented further action. Earlier, Senate Banking Chair Tim Scott planned committee votes on a crypto market structure bill by December 2025. However, those plans did not proceed.
Committee officials indicated that negotiations between leadership and Democratic members remain active. Progress has been described as steady but incomplete. Without a scheduled hearing, the bill cannot advance. As a result, formal consideration shifts into the new year.
The decision reflects broader timing challenges. The Senate must now balance legislative goals with procedural deadlines. This reality often restricts action late in the year.
Budget Pressures Take Priority
Lawmakers will have urgent budget issues when they reenter Congress. The existing government funding authority is set to run out on January 30. The aversion of a federal shutdown will take up the leading role in initial legislative procedures.
Budget negotiations require extensive floor time and bipartisan coordination. This focus reduces opportunities for complex policy bills. Crypto legislation falls into that category.
As months pass, political priorities will also change. Attention will increasingly turn toward midterm elections. Historically, election cycles make major reforms harder to pass. This environment complicates efforts to move crypto legislation quickly.
Oversight Framework Remains Unsettled
The crypto market structure bill seeks to define how federal agencies regulate digital assets. It would clarify responsibilities between the SEC and the CFTC. The proposal assigns primary oversight of spot crypto markets to the CFTC. It also outlines how securities laws apply to digital assets. In October, the SEC and CFTC held the first joint roundtable in 14 years, advancing crypto regulation, legal actions, and token classification debate.
The Senate Banking Committee has circulated multiple draft versions. Such drafts imply uninterrupted bipartisan cooperation. In the meantime, another discussion draft was issued by the Senate Agriculture Committee. It has not, however, fixed a markup.
The absence of coordination between committees slows down the overall progress. Unless action is in line, total reform is unachievable.
Industry Awaits Direction in 2026
Crypto firms continue to operate under existing regulatory guidance. The SEC has issued updates and hosted public discussions. Still, companies report ongoing uncertainty.
Industry participants look toward early 2026 for updates. Attention centers on the possible release of an updated bipartisan draft. That document could clarify how lawmakers plan to divide oversight authority.
Committee leaders have stated that discussions will continue into the new year. No specific dates have been announced. Until then, the delay extends regulatory uncertainty across the U.S. digital asset market.
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