The US Senate is preparing to review the Responsible Financial Innovation Act in January 2026, marking a critical moment for cryptocurrency regulation in the country.
The Senate Banking Committee is expected to hold a markup session during the second week of January after months of political delays and a prolonged government shutdown in 2025.
Lawmakers view the markup as a decisive step that will determine whether the bill advances to a full Senate vote.
The Responsible Financial Innovation Act aims to establish a clearer legal framework for digital assets operating in the United States.
Senators Cynthia Lummis and Tim Scott are central figures in the renewed push to move the legislation forward.
Lummis, one of the bill’s original sponsors, has confirmed she will not seek re-election in 2026, adding urgency to the process.
Republican lawmakers broadly support the bill, but its success depends on securing bipartisan backing in the Senate.
Key disagreements between Democrats and Republicans focus on decentralised finance regulation and oversight authority.