53LABS

Bill 3633

Bill 6644

Two Important Crypto-Related Bills Moving Forward – What’s the Difference? ♦H.R. 6644 - 21st Century ROAD to Housing Act ♦H.R. 3633 - Digital Asset Market Clarity Act Both are in the 119th Congress (2025–2026). 6644 is now law 3633 is still advancing through the Senate. This is useful for your explanatory post if you want to reference the numbers for precision. Let me know if you’d like the post updated with them! 1. 21st Century ROAD to Housing Act (already law) A broad housing package that quietly included a ban on the Federal Reserve issuing a retail CBDC (government-controlled digital dollar). Became law on July 11–12, 2026 (automatic, without presidential signature). Effective through December 31, 2030. Protects space for private stablecoins while blocking a Fed digital dollar. 2. Crypto Clarity Act (Digital Asset Market Clarity Act – advancing now) The big market structure bill that creates clear regulatory rules for digital assets. Defines roles for CFTC (commodities like BTC/ETH) vs. SEC (securities). Supports DeFi, innovation, and on-shore growth. Passed House previously; Senate Banking Committee advanced it in May. Potential floor action as soon as this week. Why both matter: ·The Housing bill gives immediate protection against government CBDC overreach and favors private innovation. ·The Clarity Act provides the long-term regulatory framework the industry has been waiting for. Together, they represent real progress on both defense (against CBDC) and offense (clear rules for growth). Two different bills, both significant steps for U.S. crypto policy.

Crypto Clarity Act What it is: A major bipartisan bill that aims to create clear rules for digital assets in the U.S. It would: - Give the CFTC oversight of digital commodities (like Bitcoin and Ethereum) - Keep SEC authority over securities - Provide regulatory certainty for DeFi, stablecoins, and innovation - Help bring more activity on-shore while protecting consumers Why it matters: Right now, many crypto projects operate in a gray area with unclear rules. This bill would reduce uncertainty, potentially unlock significant market growth, and position the U.S. as a leader in digital asset regulation. Where it stands today: - Passed the House last year - Advanced out of the Senate Banking Committee in May 2026 (bipartisan 15-9 vote) - Currently moving toward a potential Senate floor vote as early as July 13, (this Sunday/Monday) President Trump has previously said he would sign it “immediately” if it reaches his desk. This is one of the most important pieces of crypto legislation in years. #Crypto #ClarityAct EYES OUT FOR MORE CHANGE!

🇺🇸 July 12, 2026. Historical Change! The U.S. housing bill (21st Century ROAD to Housing Act) containing a provision banning the Federal Reserve from issuing a central bank digital currency (CBDC) has officially become law. It took effect at midnight after President Trump neither signed nor vetoed the legislation. The measure prohibits the Fed from issuing a retail CBDC — a government-controlled digital dollar widely available to the public — or substantially similar assets, through December 31, 2030. Private stablecoins and decentralized digital assets are explicitly exempted. (Hello #pDAI) This represents a measured policy choice prioritizing privacy, limiting potential government surveillance, and supporting private-sector innovation in digital payments. It codifies and strengthens the administration’s earlier executive actions on the topic. A notable development for regulatory clarity in the U.S., though temporary in nature. Future CBDC efforts would require new congressional approval. #Crypto #Stablecoins #DigitalAssets

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