In a historic move for the crypto industry, the U.S. House of Representatives has approved three major cryptocurrency-related bills — the GENIUS Act, the CLARITY Act, and the Anti-CBDC Act. These legislative initiatives mark a turning point in how the United States approaches digital assets, with broad implications for global finance, regulation, and innovation.
GENIUS Act: The First Crypto Law in US History
The Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) is now headed to President Donald Trump for signing, potentially becoming the first major crypto regulation in U.S. history. The bill creates a comprehensive regulatory framework for stablecoins, integrating them into the broader financial system with clear rules for issuance, use, and consumer protection.
The GENIUS Act passed with 308 votes in favor and 122 against — a notable show of bipartisan support, including from 102 Democrats. Experts from Solidus Labs called the law a “milestone,” signaling the beginning of transparent and secure digital finance in the United States.
CLARITY Act: Legal Certainty for Digital Assets
Alongside the GENIUS Act, lawmakers also approved the Digital Asset Market Clarity Act of 2025 (CLARITY Act). This bill provides legal definitions for crypto assets, differentiating between commodities and securities — an issue that has long caused confusion and regulatory conflict, especially with the SEC.
Passed by 294 votes to 134, the CLARITY Act paves the way for enhanced market liquidity, institutional investment, and a friendlier climate for crypto IPOs. Legal experts suggest this could attract financial giants like BlackRock and reduce legal friction between the crypto sector and regulators.
Anti-CBDC Act: A Blow to Government-Issued Digital Currencies
The third bill, the Anti-CBDC Surveillance State Act, narrowly passed with 219 votes in favor and 210 against. It prohibits the Federal Reserve from unilaterally launching a central bank digital currency (CBDC) — a significant pushback against what critics see as a threat to financial privacy and individual freedom.
This bill received minimal Democratic support, highlighting a sharper political divide on the role of government in digital currencies.
Industry Experts React: “This Is Just the Beginning”
Delfine Forma of Solidus Labs praised the legislative progress, emphasizing that these bills represent a consensus on the importance of responsible digital asset innovation. She pointed out that stablecoins backed by the U.S. dollar are becoming central to global finance and that blockchain-based systems can improve transparency and reduce fraud.
U.S.-based legal expert Nikita Murenko echoed the sentiment, stating that the GENIUS Act enables asset tokenization and could trigger explosive growth in the crypto sector. He noted the shift from court battles to clear, future-focused rules, adding that U.S. policy is now more aligned with — yet more flexible than — Europe’s MiCA framework.
Conclusion
With these bills, the United States is officially laying the groundwork for a regulated, secure, and innovation-friendly crypto economy. As the GENIUS Act awaits President Trump’s signature — scheduled for July 18 — the world is watching closely. This legislative momentum signals that the U.S. is ready to lead the next chapter in digital finance.
