Changing Regulations: What Users Should Know Before Buying Crypto...

Crypto regulations are changing around the world in 2026, as several jurisdictions adopt crypto and stablecoin policy frameworks.

Crypto laws around the world are changing in 2026, building on the momentum from 2025, which will impact crypto users in the United States, the United Kingdom and the Asia-Pacific (APAC) regions.

The Federal Deposit Insurance Corporation (FDIC), a US banking regulator, published a proposal in December outlining a pathway for banks to be able to issue dollar-pegged stablecoins under the GENIUS stablecoin framework passed by Congress in mid-2025.

Under the proposal, banks must issue the stablecoins through a subsidiary, with both institutions subject to FDIC reviews and audits for financial soundness.

The US Federal Reserve, the country’s central bank, in December rescinded its guidance blocking banks from engaging in crypto activities, paving the way for them to custody customer assets and provide other crypto services in 2026.

Crypto investors can also expect US lawmakers to pass the CLARITY Act in 2026, a comprehensive crypto regulatory framework outlining taxation, asset taxonomy and issuance guidelines.

Crypto taxes in the US are calculated when digital assets are swapped or sold and taxed as ordinary income, with a 0%-20% tax rate for assets held over one year, while crypto held for shorter periods is taxed at 10%-37%.

Centralized crypto brokerages and service providers are also required to report cost basis, the original value of the crypto when it was purchased, to the IRS as of January 2026, but the new reporting rules do not apply to decentralized exchanges, according to Coinbase.

Related: US crypto legislation and policies to watch out for in 2026

The UK’s Financial Conduct Authority (FCA), a government regulator, is expected to publish its final rules outlining regulations for the crypto industry in 2026.

Source: CoinTelegraph