Digital Asset Market Clarity Act | Title II Protecting Against Illicit Finance Regulatory Analysis Protecting Against Illicit Finance Title II — AML/CFT Framework for Digital Commodity Markets Digital Asset Market Clarity Act Sections 201–206 January 2026 Executive Summary Title II extends Bank Secrecy Act obligations to CFTC-registered digital commodity brokers, dealers, and exchanges, requiring full […]

Digital Asset Market Clarity Act | Title V Responsible Regulatory Innovation Regulatory Analysis Responsible Regulatory Innovation Title V — Sandbox, International Coordination & Tokenization Digital Asset Market Clarity Act Sections 501–508 January 2026 Executive Summary Title V establishes a joint SEC-CFTC regulatory sandbox for small firms testing innovative fintech products, mandates interagency studies on automated

Digital Asset Market Clarity Act | Title IV Banking Innovation Regulatory Analysis Bank Digital Asset Permissibility Title IV — Responsible Banking Innovation Digital Asset Market Clarity Act Sections 401–404 January 2026 Executive Summary Title IV grants banks and credit unions explicit statutory authority for 14 enumerated digital asset activities without new approval requirements. Financial holding

Digital Asset Market Clarity Act | Title III DeFi Regulation Regulatory Analysis DeFi Regulatory Framework Title III — Responsible Innovation in Decentralized Finance Digital Asset Market Clarity Act Sections 301–313 January 2026 Executive Summary Title III establishes a two-tier framework distinguishing truly decentralized protocols from those with centralized control. Only non-decentralized protocols trigger SEC/BSA registration.

Digital Asset Market Clarity Act SEC. 404 | Stablecoin Yield Prohibition Analysis Regulatory Analysis Stablecoin Yield Prohibition Digital Asset Market Clarity Act SEC. 404 — Scope & Market Impact Digital Asset Market Clarity Act § 404 January 2026 Executive Summary SEC. 404(b)(1) prohibits digital asset service providers from paying yield solely for holding payment stablecoins.

Title IV: Responsible Banking Innovation Discussion Draft — Pre-Markup 🏦 Title IV: Responsible Banking Innovation Digital Asset Market Clarity Act — Bank & Credit Union Digital Asset Authority ⚠️ This analysis reflects the discussion draft as currently written. Provisions are subject to substantial change during committee markup and floor consideration. 📜 §401 Legislative Mechanism: Explicit