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Home/Markets & Investing/CRYPTO IRS RULING · STABLECOIN US LEGISLATION

Crypto investment fraud now accounts for the largest share of American internet crime losses

AR

Amara Remington

crypto IRS ruling · Apr 10, 2026

Crypto investment fraud now accounts for the largest share of American internet crime losses

Source: DojiDoji Data Terminal

Americans lost $11.366 billion to cryptocurrency-related scams in 2025, with crypto investment fraud specifically accounting for $7.2 billion of those losses. The FBI's Internet Crime Complaint Center (IC3) received 1,008,597 complaints in 2025, up from 859,532 in 2024. Total reported losses nearing $21 billion were reported by the IC3.

Related Brief2d ago
regulatory reform

The CLARITY Act’s Passage Would End Years of Regulatory Limbo for Crypto Firms and Investors

Years of regulatory uncertainty that pushed crypto innovation out of the United States could end if the CLARITY Act becomes law, as the SEC and Treasury signal readiness for immediate implementation. The act creates a clear federal framework for digital assets, ending the patchwork of enforcement actions that left firms guessing whether their tokens were securities or commodities. Jurisdiction would be split between the SEC and CFTC based on asset type and platform function, with defined registration pathways for trading platforms and intermediaries. Disclosure rules, investor protections, and custody standards would apply across the board. Stablecoins would be brought under regulatory oversight, and DeFi protocols could operate under defined safe harbors. The SEC’s 'Project Crypto'—launched in 2025—was built specifically to execute this transition, including updated application of the Howey test, token taxonomy, and on-chain market integration. Chairman Paul Atkins stressed that only legislation can lock in these rules permanently, since administrative actions are vulnerable to reversal. Treasury Secretary Scott Bessent has echoed that urgency, warning that delays sacrifice U.S. competitiveness and encourage offshoring. With the House already passed and Senate action pending, the final consequence is this: clear federal rules would reduce regulatory risk, attract institutional capital, and anchor crypto development in the U.S. for the first time in nearly a decade.

Investment scams typically begin via social media, text messages, advertisements or dating platforms. Scammers introduce victims to investment groups purporting to be knowledgeable industry insiders. Victims send cryptocurrency to fake investment platforms or apps, where they are shown fake profits or offered loans to encourage larger investments. When victims attempt to withdraw their money, scammers charge taxes and fees in a final attempt to exploit them before disappearing with the funds.

Related Brief2d ago
regulation

Stablecoin issuers will now be treated as financial institutions under new US rules

Stablecoin issuers will now be treated as financial institutions, subject to the same anti-money laundering and sanctions compliance obligations as banks. Under a new proposed rule from the US Treasury, issued jointly by FinCEN and OFAC, permitted payment stablecoin issuers (PPSIs) will fall under the Bank Secrecy Act (BSA)—a shift that ends their status as entities operating in regulatory gray zones. These firms must now implement AML and counter-terrorism financing programs, establish sanctions compliance systems, monitor and report suspicious activity, and maintain internal controls aligned with federal standards. The rule is designed to curb illicit finance while preserving space for innovation in digital payments. By classifying PPSIs as financial institutions, regulators are mandating that they act as compliance gatekeepers—equipped to respond to flagged transactions and cooperate with law enforcement. The framework, rooted in the 2025 GENIUS Act, reflects a broader recognition that stablecoins are integral to the financial system, not peripheral tech experiments. The proposal is not final; once published in the Federal Register, a public comment period will allow industry participants, banks, and crypto firms to shape its implementation. The outcome will define how stablecoins operate in the US for years to come—and may set a global benchmark for crypto regulation.

To combat this, the FBI launched Operation Level Up to identify and inform victims of cryptocurrency investment fraud. In 2025, the initiative notified 3,780 victims, 78% of whom were unaware they were being scammed. Since its inception, Operation Level Up has reduced losses by over $500 million.

Related Brief17h ago
retirement planning

You pay the tax now so your heirs won’t have to

You pay the tax now so your heirs won’t have to. That’s the core tradeoff behind a Roth IRA conversion — a move that shifts the tax burden from your beneficiaries to yourself, on your terms. For most non-spouse heirs, inherited traditional IRAs come with a 10-year rule: all funds must be withdrawn by the end of the decade following the account holder’s death. Every dollar pulled out is taxed as ordinary income, potentially pushing a beneficiary into a high tax bracket at a moment of emotional and financial strain. Spouses can roll over a deceased partner’s traditional IRA into their own, but taxes remain inevitable on every withdrawal. A Roth IRA conversion changes that equation. When you convert a traditional IRA or 401(k) to a Roth, you pay income taxes on the converted amount in the year of the transfer. That’s not an escape — it’s a relocation. The benefit? Once the account has been open for at least five years, all withdrawals, including earnings, are tax-free for your heirs. Non-spouse beneficiaries still must empty the account within 10 years, but they do so without a single dollar going to the IRS. You control when the tax hit occurs: during a market downturn, in a low-income year, or gradually over several years to stay within a favorable tax bracket. And because you can pay the conversion tax with outside funds, you preserve the full balance of your retirement account for tax-free growth. The IRS doesn’t allow loopholes — just options. This is one where the math and the legacy align.

crypto IRS rulingstablecoin US legislation

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