By 2026, the regulatory landscape shifted from total "freezes" to targeted implementation and legislative reform.
Many feared the rule would stifle American leadership in the digital asset sector by burdening developers with legacy banking compliance. Modern Context (2025–2026) Proposed Crypto Wallet Rule Among Those Frozen ...
The FinCEN wallet rule was one of the most prominent items caught in this freeze. The proposal would have required: By 2026, the regulatory landscape shifted from total
Automatic filing of Currency Transaction Reports (CTRs) for transactions exceeding $10,000 . Arguments and Industry Pushback 000 to unhosted wallets.
Exchanges to verify the identity of owners for transactions over $3,000 to unhosted wallets.