SEC and CFTC Unveil Independent Crypto Regulations

The U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) are taking steps to regulate cryptocurrencies independently of Congress.

This move highlights the agencies' proactive approach to creating a regulatory framework for digital assets, particularly XRP and Bitcoin.

In March 2026, both XRP and Bitcoin were classified as digital commodities by the CFTC, placing their oversight mainly under this agency.

The classification suggests a commodity-style regulatory approach, although the SEC maintains authority over transactions involving investment contracts.