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The era of chaos in the US crypto market, reminiscent of the times of lawlessness in the Wild West, ended with the decision of the House of Representatives. With a solid majority of votes, three laws have been adopted that will completely change the approach to regulating digital assets. The new "sheriffs" – GENIUS, CLARITY, and the Anti-CBDC Surveillance State Act – should bring order to the crypto space.

Stablecoins were the first to be hit, as key elements of the market. The GENIUS law, which has already been approved by the Senate and is awaiting President Trump's signature, transforms them from risky "dollar shadows" into clearly regulated instruments. No more muddy schemes with reserves or arbitrary interpretations of stability. Companies wishing to link their token to the US dollar will have to follow strict transparency rules and have sufficient collateral.

The second important point is to end the long–standing "war" of regulators. The CLARITY Act is a long–awaited agreement between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC). The multi-year struggle for jurisdiction, which kept the industry on edge, now has clear rules. The SEC retains control over digital assets, which are securities by nature. The CFTC, in turn, officially gets the right to oversee "digital goods." Now exchanges and projects will know who to contact, but the price of meeting high standards will increase significantly.

And finally, the third and perhaps the most ideologically important part is the Anti-CBDC Surveillance State Act. This is not just a law, but an expression of the concerns of congressmen who are afraid of turning the financial system into an instrument of total control. This bill, also approved on the ballot, restricts the issuance of the digital dollar by the US Federal Reserve System (FRS).

The consequences of these regulatory changes will be enormous. Institutional investors who have waited a long time due to legal risks will finally get a clear path forward. Crypto exchanges and issuers of stablecoins will face the need to meet new requirements, but they will also receive long-awaited recognition.