[{"data":1,"prerenderedAt":817},["ShallowReactive",2],{"tag-treasury":3,"$fBHBO6HNlro4pzQmxfe-S66LCc8pxQsbg1fj0C2KqRXI":559},[4,121,195,249,303,410,464],{"id":5,"title":6,"author":7,"body":8,"category":102,"date":103,"description":104,"draft":105,"extension":106,"faq":107,"featured":105,"image":108,"meta":109,"modified":107,"navigation":110,"path":111,"seo":112,"source":113,"sourceUrl":114,"stem":115,"tags":116,"__hash__":120},"news\u002Fnews\u002F2026\u002F04\u002Firs-issues-final-regs-on-occupations-eligible-for-obbba-tips.md","IRS Issues Final Regs on Occupations Eligible for OBBBA Tips Deduction","Fintech.News Desk",{"type":9,"value":10,"toc":92},"minimark",[11,16,20,24,32,35,38,42,45,48,51,54,58,61,64,67,70,74,77,80,83,86],[12,13,15],"h2",{"id":14},"deep-dive-irs-finalizes-regulations-on-obbba-tip-deduction-eligibility","Deep Dive: IRS Finalizes Regulations on OBBBA Tip Deduction Eligibility",[17,18,19],"p",{},"The IRS has released its final regulations outlining which occupations qualify for the “no tax on tips” provision enacted under the One Big Beautiful Bill Act (OBBBA) last summer. This development, while seemingly straightforward, has significant implications for tipped workers, employers, and the accounting professionals who advise them.",[12,21,23],{"id":22},"the-key-details","The Key Details",[17,25,26,27,31],{},"The final regulations provide a detailed list of eligible occupations, expanding upon the preliminary guidance issued last year. While the core categories remain consistent – focusing on food and beverage service, personal care, and transportation – the final rules offer greater specificity. For example, within food and beverage, the regulations now explicitly include bartenders, servers, bussers, hosts\u002Fhostesses, and even delivery drivers directly employed by restaurants. Personal care includes occupations such as hairdressers, barbers, nail technicians, and massage therapists. Transportation now covers taxi, ride-sharing, and delivery drivers. Importantly, the regulations clarify that managers and supervisors are ",[28,29,30],"em",{},"not"," eligible, even if they occasionally receive tips.",[17,33,34],{},"A crucial element of these regulations is the emphasis on direct customer interaction. The IRS stresses that the tips must be received directly from customers for services rendered. This distinction is critical because it excludes back-of-house staff, such as cooks and dishwashers, who, while contributing to the overall customer experience, do not directly receive tips. This clarification aims to prevent potential abuse of the deduction.",[17,36,37],{},"The regulations also address the treatment of service charges and automatic gratuities. Amounts mandated by the employer and distributed to employees do not qualify as tips under the OBBBA. These amounts are still considered wages and are subject to standard income and payroll taxes. This distinction is vital for restaurants and other service businesses that automatically add gratuity to bills for large parties or specific services.",[12,39,41],{"id":40},"why-it-matters","Why It Matters",[17,43,44],{},"The OBBBA's \"no tax on tips\" provision, and these final regulations, carry significant weight for several reasons. First, it directly impacts the take-home pay of millions of tipped workers. By allowing eligible employees to exclude tip income from their taxable income, the law aims to increase their financial well-being. This could lead to increased employee retention in industries struggling with labor shortages.",[17,46,47],{},"Second, the regulations introduce new compliance challenges for employers. Businesses must now meticulously track and document which employees are eligible for the deduction and ensure that only qualifying tip income is excluded from payroll tax calculations. This requires robust record-keeping systems and a thorough understanding of the IRS guidelines. Failure to comply could result in penalties and back taxes.",[17,49,50],{},"Third, the OBBBA and its regulations shift the burden of tax enforcement. The assumption is that the increase in take-home pay will incentivize more people to enter these industries. However, the potential for underreporting tips still exists. The IRS will likely increase its scrutiny of tip income reporting to ensure compliance, which could lead to more audits and examinations of businesses in the affected sectors.",[17,52,53],{},"Finally, the regulations have broader economic implications. By potentially stimulating the economy through increased disposable income for tipped workers, the OBBBA aims to boost consumer spending and overall economic activity. However, the actual impact remains to be seen and will depend on factors such as the overall economic climate and the effectiveness of IRS enforcement efforts.",[12,55,57],{"id":56},"how-professionals-should-respond","How Professionals Should Respond",[17,59,60],{},"CPAs and financial advisors need to take several steps to help their clients navigate these new regulations. First, they should educate their clients – both employers and employees – about the eligibility requirements and the proper reporting procedures. This includes providing clear and concise explanations of the regulations, as well as practical guidance on how to implement them.",[17,62,63],{},"Second, professionals should help employers develop robust record-keeping systems to track tip income and employee eligibility. This may involve implementing new software or modifying existing systems to meet the specific requirements of the OBBBA. CPAs can provide training and support to ensure that employers are accurately tracking and reporting tip income.",[17,65,66],{},"Third, CPAs should advise their clients on the potential tax implications of the OBBBA. This includes helping them understand how the deduction will affect their overall tax liability and how to plan accordingly. For employees, this may involve adjusting their withholding to account for the reduced tax burden. For employers, it may involve reassessing their payroll tax obligations and making necessary adjustments.",[17,68,69],{},"Furthermore, CPAs should encourage clients to seek professional advice if they have any questions or concerns about the OBBBA regulations. The IRS guidance can be complex and nuanced, and it is important to ensure that clients are fully compliant with the law.",[12,71,73],{"id":72},"the-bigger-picture","The Bigger Picture",[17,75,76],{},"The OBBBA's \"no tax on tips\" provision reflects a broader trend towards simplifying the tax code and providing tax relief to specific segments of the population. While the intention is laudable, the practical implementation can be challenging. As with any new tax law, there are likely to be unintended consequences and unforeseen challenges.",[17,78,79],{},"The final regulations represent the IRS's attempt to address some of these challenges and provide greater clarity and certainty for taxpayers. However, the regulations are still relatively new, and it is likely that further guidance and clarification will be needed in the future. The IRS may issue additional rulings, interpretations, or even amend the regulations as it gains more experience with their implementation.",[17,81,82],{},"From a policy perspective, the OBBBA raises questions about fairness and equity. While the \"no tax on tips\" provision benefits tipped workers, it also creates a disparity between them and other workers who do not receive tips. This could lead to calls for similar tax relief for other groups of workers.",[17,84,85],{},"Looking ahead, it is important for CPAs and financial advisors to stay informed about developments related to the OBBBA and its regulations. This includes monitoring IRS guidance, attending professional conferences, and participating in industry discussions. By staying abreast of the latest developments, professionals can provide their clients with the best possible advice and support.",[17,87,88],{},[89,90,91],"strong",{},"Ultimately, understanding and correctly applying these finalized regulations will be crucial for ensuring both compliance and optimized financial outcomes for tipped workers and their employers.",{"title":93,"searchDepth":94,"depth":94,"links":95},"",3,[96,98,99,100,101],{"id":14,"depth":97,"text":15},2,{"id":22,"depth":97,"text":23},{"id":40,"depth":97,"text":41},{"id":56,"depth":97,"text":57},{"id":72,"depth":97,"text":73},"tax-regulation","2026-04-10","Final IRS regs on OBBBA tip tax deductions are here. See if your occupation qualifies for \"no tax on tips\" under the new rules. Key details for fintech & accoun",false,"md",null,"\u002Fimages\u002Farticles\u002Firs-issues-final-regs-on-occupations-eligible-for-obbba-tips.png",{},true,"\u002Fnews\u002F2026\u002F04\u002Firs-issues-final-regs-on-occupations-eligible-for-obbba-tips",{"title":6,"description":104},"CPA Practice Advisor","https:\u002F\u002Fwww.cpapracticeadvisor.com\u002F2026\u002F04\u002F10\u002Firs-issues-final-regs-on-occupations-eligible-for-obbba-tips-deduction\u002F181462\u002F","news\u002F2026\u002F04\u002Firs-issues-final-regs-on-occupations-eligible-for-obbba-tips",[117,118,119],"irs","tax","treasury","2jsVAtBTYyGoYFnr6hjECoBr2wts5zfBzS81lz215AE",{"id":122,"title":123,"author":7,"body":124,"category":102,"date":103,"description":183,"draft":105,"extension":106,"faq":107,"featured":105,"image":184,"meta":185,"modified":107,"navigation":110,"path":186,"seo":187,"source":188,"sourceUrl":189,"stem":190,"tags":191,"__hash__":194},"news\u002Fnews\u002F2026\u002F04\u002Ftreasury-to-give-crypto-firms-same-cybersecurity-intel-as-ba.md","Treasury to Give Crypto Firms Same Cybersecurity Intel as Banks",{"type":9,"value":125,"toc":177},[126,130,133,137,140,143,146,150,153,156,159,163,166,169,172],[12,127,129],{"id":128},"deepening-cybersecurity-ties-between-treasury-and-crypto-a-necessary-evolution","Deepening Cybersecurity Ties Between Treasury and Crypto: A Necessary Evolution",[17,131,132],{},"The U.S. Treasury Department, via its Office of Cybersecurity and Critical Infrastructure Protection (OCCIP), is set to extend its cybersecurity intelligence sharing program to eligible digital asset firms and industry organizations, mirroring the existing framework it employs with traditional financial institutions. This move represents a significant step towards mainstreaming cryptocurrency within the regulated financial landscape, recognizing the increasing systemic importance of digital assets and the escalating threat landscape they face.",[12,134,136],{"id":135},"why-it-matters-bridging-the-cybersecurity-gap-in-crypto","Why It Matters: Bridging the Cybersecurity Gap in Crypto",[17,138,139],{},"This initiative addresses a critical vulnerability within the cryptocurrency ecosystem: the disparity in cybersecurity resources and expertise between established financial institutions and the often-nascent digital asset firms. Traditional banks have decades of experience and substantial budgets dedicated to cybersecurity, bolstered by regulatory mandates and a clear understanding of the potential for catastrophic losses. In contrast, many crypto firms, particularly smaller entities, struggle to keep pace with the rapidly evolving threat landscape. This creates a weak link in the financial system, as a successful attack on a crypto exchange or custodian could have ripple effects throughout the broader economy.",[17,141,142],{},"The Treasury's move is proactive rather than reactive. It recognizes that the interconnectedness of the financial system means that vulnerabilities in one sector can easily spread to others. By providing crypto firms with access to the same threat intelligence as banks, the government aims to raise the baseline level of cybersecurity across the entire financial sector. This includes early warnings about emerging threats, best practices for mitigating risks, and information on specific vulnerabilities being exploited by malicious actors.",[17,144,145],{},"Moreover, this initiative implicitly acknowledges the growing role of cryptocurrency in the U.S. economy. By treating crypto firms as critical infrastructure worthy of the same cybersecurity protections as traditional banks, the Treasury is signaling a shift in perception – from viewing crypto as a niche asset class to recognizing it as an integral part of the financial system. This recognition could pave the way for further integration of digital assets into the mainstream, including increased regulatory clarity and greater institutional adoption.",[12,147,149],{"id":148},"how-professionals-should-respond-proactive-engagement-and-enhanced-due-diligence","How Professionals Should Respond: Proactive Engagement and Enhanced Due Diligence",[17,151,152],{},"For finance professionals operating within the cryptocurrency space, this initiative presents both an opportunity and a responsibility. The opportunity lies in leveraging the Treasury's cybersecurity intelligence to strengthen their own defenses and protect their clients' assets. This requires actively engaging with the OCCIP and participating in the information-sharing program. Firms should designate personnel responsible for receiving and analyzing the intelligence, and they should integrate it into their existing cybersecurity protocols.",[17,154,155],{},"The responsibility lies in ensuring that their cybersecurity practices meet the standards expected of traditional financial institutions. This includes conducting regular vulnerability assessments, implementing robust access controls, and developing incident response plans. Furthermore, firms should prioritize cybersecurity education and training for their employees, ensuring that they are aware of the latest threats and best practices for mitigating risks.",[17,157,158],{},"CPAs and CFOs working with crypto firms should also be prepared to advise their clients on cybersecurity matters. This includes conducting due diligence on the cybersecurity practices of potential partners and service providers, and advising clients on the importance of investing in robust security measures. They should also be aware of the potential for cyberattacks to impact financial reporting and compliance, and they should be prepared to address these issues in a timely and effective manner.",[12,160,162],{"id":161},"the-bigger-picture-towards-a-more-secure-and-integrated-financial-system","The Bigger Picture: Towards a More Secure and Integrated Financial System",[17,164,165],{},"The Treasury's initiative is part of a broader effort to enhance the cybersecurity of the financial system as a whole. The Financial Sector Coordinating Council (FSCC), comprised of federal financial regulators, plays a key role in coordinating these efforts. The FSCC regularly conducts exercises to test the resilience of the financial system to cyberattacks, and it develops best practices for cybersecurity risk management.",[17,167,168],{},"This move also aligns with international efforts to combat cybercrime. The Financial Action Task Force (FATF), an intergovernmental body that sets standards for combating money laundering and terrorist financing, has issued guidance on the risks posed by virtual assets and virtual asset service providers (VASPs). The FATF recommends that countries implement regulatory frameworks that require VASPs to comply with anti-money laundering and counter-terrorist financing requirements, including conducting due diligence on their customers and reporting suspicious activity.",[17,170,171],{},"Looking ahead, we can expect to see increased collaboration between government agencies and the private sector to address the cybersecurity challenges facing the financial system. This will likely involve the development of new technologies and standards, as well as increased information sharing and coordination. The ultimate goal is to create a more secure and resilient financial system that can withstand the evolving threats of the digital age.",[17,173,174],{},[89,175,176],{},"This initiative marks a crucial step towards legitimizing and securing the cryptocurrency ecosystem by integrating it more fully into the existing financial regulatory framework.",{"title":93,"searchDepth":94,"depth":94,"links":178},[179,180,181,182],{"id":128,"depth":97,"text":129},{"id":135,"depth":97,"text":136},{"id":148,"depth":97,"text":149},{"id":161,"depth":97,"text":162},"Crypto cybersecurity strengthens: Treasury to share intel with digital asset firms, leveling the playing field. Key for fintech & accounting pros.","\u002Fimages\u002Farticles\u002Ftreasury-to-give-crypto-firms-same-cybersecurity-intel-as-ba.png",{},"\u002Fnews\u002F2026\u002F04\u002Ftreasury-to-give-crypto-firms-same-cybersecurity-intel-as-ba",{"title":123,"description":183},"PYMNTS","https:\u002F\u002Fwww.pymnts.com\u002Fcybersecurity\u002F2026\u002Ftreasury-to-give-crypto-firms-same-cybersecurity-intel-as-banks\u002F","news\u002F2026\u002F04\u002Ftreasury-to-give-crypto-firms-same-cybersecurity-intel-as-ba",[192,193,119],"crypto","cybersecurity","pNbkiqcDTd09vgUCY4yyVjuShnedls_3ve7xPaDbzlM",{"id":196,"title":197,"author":7,"body":198,"category":102,"date":239,"description":240,"draft":105,"extension":106,"faq":107,"featured":105,"image":241,"meta":242,"modified":107,"navigation":110,"path":243,"seo":244,"source":113,"sourceUrl":245,"stem":246,"tags":247,"__hash__":248},"news\u002Fnews\u002F2026\u002F04\u002Firs-provides-states-with-guidance-for-nominating-census-trac.md","IRS Provides States with Guidance for Nominating Census Tracts as Opportunity Zones",{"type":9,"value":199,"toc":232},[200,204,207,209,212,214,217,219,222,224,227],[12,201,203],{"id":202},"the-irs-clarifies-opportunity-zone-nomination-procedures-for-states","The IRS Clarifies Opportunity Zone Nomination Procedures for States",[17,205,206],{},"The IRS and Treasury Department have released updated guidance clarifying the procedures states, the District of Columbia, and U.S. territories must follow when nominating population census tracts for designation as Qualified Opportunity Zones (QOZs). This guidance, prompted by the sunsetting of the original designations, outlines the process for potentially creating a new wave of these investment zones, aiming to spur economic development in distressed communities. While the initial Opportunity Zone program, established under the 2017 Tax Cuts and Jobs Act, saw mixed results and faced scrutiny, this renewed focus signals a continued commitment to the place-based investment strategy.",[12,208,23],{"id":22},[17,210,211],{},"The updated guidance centers on providing states with a clear framework for identifying and nominating census tracts that meet the statutory requirements for QOZ designation. This includes demonstrating that the nominated tracts are low-income communities, based on specific poverty rates and median family income thresholds. The IRS emphasizes adherence to data sources from the American Community Survey (ACS) and decennial census, specifying which datasets are acceptable for determining eligibility. This is crucial because the accuracy and reliability of the data directly impact the validity of the nominations. States are required to provide comprehensive documentation supporting their nominations, including maps, demographic data, and justifications for why the selected tracts would benefit most from QOZ designation. The IRS also outlined specific timelines and procedures for submitting nominations, ensuring a standardized and transparent process. A key element is the emphasis on community engagement. States are encouraged to solicit input from local stakeholders, including residents, businesses, and community organizations, to ensure that the nominated tracts align with local development priorities and needs.",[12,213,41],{"id":40},[17,215,216],{},"This guidance is significant for several reasons. First, it provides clarity and consistency for states seeking to leverage the Opportunity Zone incentive. The original legislation was broad, leaving room for interpretation and inconsistencies in implementation across different states. This updated guidance aims to address those issues and ensure a more uniform approach to QOZ designation. Second, it could potentially unlock new investment opportunities in underserved communities. While the initial round of QOZ designations generated considerable interest, some areas were overlooked or did not fully benefit from the incentive. This new round of nominations provides an opportunity to rectify those imbalances and direct capital to communities that are most in need of investment. Third, the emphasis on community engagement is crucial for ensuring that QOZ investments are aligned with local needs and priorities. In the past, some QOZ projects were criticized for displacing residents or failing to deliver tangible benefits to the community. By involving local stakeholders in the nomination process, states can help ensure that QOZ investments are more equitable and sustainable. This renewed effort comes at a time when many communities are still struggling to recover from the economic impacts of the COVID-19 pandemic. QOZs can serve as a catalyst for revitalization, attracting investment in housing, infrastructure, and job creation.",[12,218,57],{"id":56},[17,220,221],{},"CPAs, CFOs, and other financial professionals should closely monitor the QOZ nomination process in their respective states. This includes staying informed about the specific criteria and deadlines for nominations, as well as opportunities for community engagement. Professionals can play a crucial role in advising clients on the potential benefits of investing in QOZs, as well as the compliance requirements associated with the incentive. This includes helping clients identify eligible QOZ projects, structuring investments to maximize tax benefits, and ensuring ongoing compliance with IRS regulations. Furthermore, professionals should be aware of the potential risks and challenges associated with QOZ investments, such as the complexity of the regulations and the uncertainty surrounding long-term returns. It is essential to conduct thorough due diligence and provide clients with realistic expectations. They should also be prepared to navigate the evolving regulatory landscape surrounding QOZs, as the IRS continues to issue guidance and interpretations. Understanding the nuances of the QOZ regulations is essential for helping clients make informed investment decisions and avoid potential penalties.",[12,223,73],{"id":72},[17,225,226],{},"The renewed focus on Opportunity Zones reflects a broader trend toward place-based investment strategies. Governments at all levels are increasingly recognizing the importance of targeting resources to specific geographic areas to address economic disparities and promote sustainable development. This approach is based on the understanding that economic growth is not evenly distributed and that some communities require targeted interventions to overcome systemic barriers to opportunity. However, the effectiveness of place-based investment strategies is a subject of ongoing debate. Critics argue that these strategies can be inefficient and ineffective, leading to unintended consequences such as gentrification and displacement. Proponents, on the other hand, argue that they can be a valuable tool for revitalizing distressed communities and creating economic opportunities for residents. The success of the Opportunity Zone program, both in its initial phase and in any future iterations, will depend on careful planning, effective implementation, and ongoing monitoring. It is essential to learn from past experiences and adapt the program to address the challenges and opportunities of the current economic environment. The IRS's updated guidance is a step in the right direction, but it is only one piece of the puzzle. Ultimately, the success of Opportunity Zones will depend on the collective efforts of government, businesses, community organizations, and individual investors.",[17,228,229],{},[89,230,231],{},"The updated IRS guidance clarifies the process for states to nominate census tracts as Opportunity Zones, potentially unlocking new investment opportunities in underserved communities.",{"title":93,"searchDepth":94,"depth":94,"links":233},[234,235,236,237,238],{"id":202,"depth":97,"text":203},{"id":22,"depth":97,"text":23},{"id":40,"depth":97,"text":41},{"id":56,"depth":97,"text":57},{"id":72,"depth":97,"text":73},"2026-04-09","Opportunity Zone update: IRS clarifies census tract nomination procedures for states. Vital guidance for fintech & accounting pros advising on OZ investments.","\u002Fimages\u002Farticles\u002Firs-provides-states-with-guidance-for-nominating-census-trac.png",{},"\u002Fnews\u002F2026\u002F04\u002Firs-provides-states-with-guidance-for-nominating-census-trac",{"title":197,"description":240},"https:\u002F\u002Fwww.cpapracticeadvisor.com\u002F2026\u002F04\u002F09\u002Firs-gives-states-guidance-for-nominating-census-tracts-as-opportunity-zones\u002F181320\u002F","news\u002F2026\u002F04\u002Firs-provides-states-with-guidance-for-nominating-census-trac",[117,119],"cUtJ_D5INPuVsZqG0u7qn25vcWuuI_J9oTKoHA_i1ho",{"id":250,"title":251,"author":7,"body":252,"category":102,"date":239,"description":290,"draft":105,"extension":106,"faq":107,"featured":105,"image":291,"meta":292,"modified":107,"navigation":110,"path":293,"seo":294,"source":188,"sourceUrl":295,"stem":296,"tags":297,"__hash__":302},"news\u002Fnews\u002F2026\u002F04\u002Ftreasury-proposes-anti-money-laundering-framework-for-stable.md","Treasury Proposes Anti-Money Laundering Framework for Stablecoin Issuers",{"type":9,"value":253,"toc":283},[254,258,260,263,265,268,270,273,275,278],[12,255,257],{"id":256},"structure-b-deep-dive","Structure B — Deep Dive:",[12,259,23],{"id":22},[17,261,262],{},"The U.S. Treasury Department, through its Financial Crimes Enforcement Network (FinCEN) and Office of Foreign Assets Control (OFAC), is proposing a significant rule change that would bring permitted payment stablecoin issuers (PPSIs) under the umbrella of stringent anti-money laundering (AML) and sanctions compliance obligations. This initiative, spurred by provisions within the GENIUS Act, aims to regulate stablecoins, which are cryptocurrencies designed to maintain a stable value relative to a reference asset, typically the U.S. dollar. The proposed rule mandates that PPSIs implement comprehensive AML programs, including customer due diligence, suspicious activity reporting (SAR), and adherence to sanctions regulations administered by OFAC. These requirements are similar to those already imposed on traditional financial institutions, marking a significant shift in the regulatory landscape for the digital asset space. The core of the proposal focuses on identifying and mitigating risks associated with illicit finance, aiming to prevent stablecoins from being used for money laundering, terrorist financing, and other illegal activities.",[12,264,41],{"id":40},[17,266,267],{},"This proposed rule is a watershed moment for the stablecoin industry and the broader cryptocurrency ecosystem. Stablecoins have rapidly gained traction as a medium of exchange and a store of value within the digital economy, facilitating transactions across various platforms and applications. However, their increasing popularity has also raised concerns among regulators about their potential misuse for illicit purposes. By subjecting PPSIs to AML and sanctions compliance obligations, the Treasury Department seeks to address these concerns and promote the responsible development and adoption of stablecoins. The rule aims to create a level playing field between traditional financial institutions and stablecoin issuers, ensuring that both are subject to similar standards for preventing financial crime. Failure to comply with these regulations could result in significant penalties, including fines, sanctions, and even the revocation of the right to operate as a stablecoin issuer. This regulatory scrutiny is not unique to the US; similar efforts are underway in other jurisdictions, highlighting a global trend toward increased regulation of digital assets. The European Union's Markets in Crypto-Assets (MiCA) regulation, for example, includes provisions for stablecoin issuers, demonstrating a coordinated international effort to bring clarity and oversight to this rapidly evolving market.",[12,269,57],{"id":56},[17,271,272],{},"For finance professionals operating within or alongside the stablecoin industry, this proposed rule has significant implications. CPAs and CFOs working for PPSIs must immediately begin assessing their current AML and sanctions compliance frameworks to identify any gaps or deficiencies. This includes reviewing existing policies and procedures, conducting risk assessments, and implementing enhanced due diligence measures for customers. Furthermore, they need to ensure that their organizations have the necessary technology and expertise to comply with the new regulatory requirements, which may involve investing in AML software, hiring compliance professionals, or engaging external consultants. The proposed rule also emphasizes the importance of ongoing training and education for employees to ensure they are aware of their AML and sanctions compliance obligations. Finance professionals should proactively engage with regulators and industry associations to stay informed about the latest developments and best practices. Moreover, they should prepare for potential audits and examinations by regulatory agencies to demonstrate their commitment to compliance. This proactive approach is crucial for mitigating regulatory risks and maintaining the integrity of the stablecoin ecosystem. Legal professionals should also analyze the specific requirements of the proposed rule and provide guidance to PPSIs on how to comply with the new regulations.",[12,274,73],{"id":72},[17,276,277],{},"The Treasury Department's proposed rule reflects a broader trend toward increased regulation of the digital asset space. As cryptocurrencies and stablecoins become more mainstream, regulators around the world are grappling with how to balance innovation with the need to protect consumers and prevent financial crime. This regulatory scrutiny is likely to intensify in the coming years, as digital assets continue to evolve and new use cases emerge. The outcome of this proposed rule could set a precedent for future regulation of stablecoins and other digital assets, both in the United States and globally. It will also influence the competitive landscape of the stablecoin industry, potentially favoring larger, more established players who have the resources to comply with the new regulatory requirements. Smaller stablecoin issuers may face challenges in meeting these obligations, which could lead to consolidation within the industry. Ultimately, the goal of these regulations is to create a more transparent, secure, and compliant digital asset ecosystem that fosters innovation while mitigating risks. This requires a collaborative effort between regulators, industry participants, and technology developers to develop effective and proportionate regulatory frameworks that promote responsible innovation and protect the integrity of the financial system.",[17,279,280],{},[89,281,282],{},"Compliance with AML and sanctions regulations is now a critical requirement for stablecoin issuers, demanding proactive adaptation and robust internal controls.",{"title":93,"searchDepth":94,"depth":94,"links":284},[285,286,287,288,289],{"id":256,"depth":97,"text":257},{"id":22,"depth":97,"text":23},{"id":40,"depth":97,"text":41},{"id":56,"depth":97,"text":57},{"id":72,"depth":97,"text":73},"FinCEN proposes AML rules for stablecoin issuers. Understand the new framework, compliance implications, and OFAC's role. Stay ahead in fintech.","\u002Fimages\u002Farticles\u002Ftreasury-proposes-anti-money-laundering-framework-for-stable.png",{},"\u002Fnews\u002F2026\u002F04\u002Ftreasury-proposes-anti-money-laundering-framework-for-stable",{"title":251,"description":290},"https:\u002F\u002Fwww.pymnts.com\u002Faml\u002F2026\u002Ftreasury-proposes-anti-money-laundering-framework-for-stablecoin-issuers\u002F","news\u002F2026\u002F04\u002Ftreasury-proposes-anti-money-laundering-framework-for-stable",[298,299,119,300,301],"stablecoin","compliance","aml","sanctions","waZd2QX9RHa2MuQwf3kjdVk7DFybUzA2JuDDzTB0N2k",{"id":304,"title":305,"author":7,"body":306,"category":102,"date":399,"description":400,"draft":105,"extension":106,"faq":107,"featured":105,"image":401,"meta":402,"modified":107,"navigation":110,"path":403,"seo":404,"source":405,"sourceUrl":406,"stem":407,"tags":408,"__hash__":409},"news\u002Fnews\u002F2026\u002F04\u002Fus-treasury-unveils-proposed-stablecoin-rules-targeting-mone.md","US Treasury unveils proposed stablecoin rules targeting money laundering, sanctions",{"type":9,"value":307,"toc":392},[308,312,315,317,320,323,325,328,331,334,337,339,342,376,378,381,384,387],[12,309,311],{"id":310},"deep-dive-treasurys-proposed-stablecoin-rules-target-illicit-finance","Deep Dive: Treasury's Proposed Stablecoin Rules Target Illicit Finance",[17,313,314],{},"The U.S. Treasury Department, through its Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control (OFAC), has unveiled a proposed rule aimed at increasing oversight of stablecoin issuers. This move signals a significant escalation in regulatory scrutiny of the burgeoning digital asset class, specifically focusing on mitigating risks related to money laundering, terrorist financing, and sanctions evasion.",[12,316,23],{"id":22},[17,318,319],{},"The proposed rule focuses primarily on \"covered stablecoin arrangements,\" which are defined broadly to encompass not just the stablecoin itself, but also the infrastructure and participants facilitating its transfer. This holistic approach seeks to capture the entire ecosystem, preventing illicit actors from exploiting vulnerabilities within the system. The core requirement mandates that certain participants within these arrangements, specifically those engaged in activities like redemption or transfer, must comply with Bank Secrecy Act (BSA) obligations. These obligations include maintaining anti-money laundering (AML) programs, conducting customer due diligence (CDD), and filing Suspicious Activity Reports (SARs).",[17,321,322],{},"A critical element of the proposal is the emphasis on identifying the \"transmitters\" of stablecoins. The rule seeks to clarify that entities performing functions similar to money transmitters under existing regulations will be subject to similar BSA requirements, regardless of their specific label or technological implementation. This clarification is intended to address the potential for decentralized finance (DeFi) protocols and other innovative platforms to inadvertently facilitate illicit activities if left unregulated. The proposed rules would also require covered stablecoin issuers to comply with OFAC sanctions regulations, ensuring that these digital assets are not used to circumvent U.S. economic sanctions.",[12,324,41],{"id":40},[17,326,327],{},"This proposed rule matters for several reasons. First, it reflects the growing concern within the U.S. government about the potential for stablecoins to be used for illicit purposes. The anonymity and ease of transfer associated with some stablecoins make them attractive to criminals seeking to launder money or evade sanctions. Treasury’s action is a direct response to these perceived threats, signaling a commitment to preventing the misuse of digital assets.",[17,329,330],{},"Second, the rule has the potential to significantly impact the stablecoin market. By imposing stricter regulatory requirements on issuers and participants, the Treasury aims to increase transparency and accountability within the ecosystem. This could lead to increased compliance costs for stablecoin companies, potentially driving smaller players out of the market and consolidating power among larger, more established firms. This effect could be further amplified by the inherent difficulties in applying traditional AML\u002FKYC frameworks to decentralized or pseudonymous blockchain technologies.",[17,332,333],{},"Third, the rule highlights the ongoing tension between innovation and regulation in the digital asset space. While the Treasury recognizes the potential benefits of stablecoins, such as increased efficiency and lower transaction costs, it is also determined to prevent their misuse. The challenge lies in striking a balance between fostering innovation and protecting the financial system from illicit activities.",[17,335,336],{},"Finally, the global implications of this rule are substantial. Given the U.S. dollar's central role in the global financial system, any regulations affecting dollar-backed stablecoins will have ripple effects around the world. Other countries are likely to follow the U.S.'s lead in regulating stablecoins, potentially leading to a fragmented regulatory landscape that could hinder the development and adoption of these digital assets.",[12,338,57],{"id":56},[17,340,341],{},"Finance professionals, particularly those working in compliance, risk management, and treasury functions, need to carefully analyze the proposed rule and assess its potential impact on their organizations. This includes:",[343,344,345,352,358,364,370],"ul",{},[346,347,348,351],"li",{},[89,349,350],{},"Understanding the Scope:"," Determine whether your organization falls within the definition of a \"covered stablecoin arrangement\" and is therefore subject to the proposed requirements. This requires a thorough assessment of your activities related to stablecoins, including issuance, redemption, transfer, and custody.",[346,353,354,357],{},[89,355,356],{},"Evaluating Compliance Capabilities:"," Assess your current AML and sanctions compliance programs to identify any gaps that need to be addressed to meet the new requirements. This may involve investing in new technology, hiring additional personnel, or revamping existing policies and procedures.",[346,359,360,363],{},[89,361,362],{},"Engaging with Regulators:"," Provide feedback to the Treasury Department during the comment period for the proposed rule. This is an opportunity to raise any concerns or suggest modifications that would make the rule more effective or less burdensome.",[346,365,366,369],{},[89,367,368],{},"Monitoring Regulatory Developments:"," Stay abreast of ongoing regulatory developments in the stablecoin space, both in the U.S. and internationally. This will help you anticipate future regulatory changes and proactively adapt your compliance programs.",[346,371,372,375],{},[89,373,374],{},"Considering Alternative Stablecoins:"," Analyze the impact of the regulations on different types of stablecoins, including those backed by assets other than the U.S. dollar. This may influence strategic decisions regarding which stablecoins to support or utilize.",[12,377,73],{"id":72},[17,379,380],{},"The Treasury's proposed rule is just one piece of a larger puzzle. The digital asset space is rapidly evolving, and regulators around the world are grappling with how to effectively oversee this new technology. The SEC, for example, has been actively pursuing enforcement actions against crypto companies that it believes are offering unregistered securities. The IRS is also increasing its scrutiny of crypto transactions to ensure compliance with tax laws.",[17,382,383],{},"The ultimate goal of these regulatory efforts is to create a framework that fosters innovation while protecting consumers and the financial system. The success of this endeavor will depend on the ability of regulators to adapt to the rapidly changing landscape and to work collaboratively with industry stakeholders. It also requires international cooperation to prevent regulatory arbitrage and ensure a level playing field.",[17,385,386],{},"The future of stablecoins remains uncertain. However, one thing is clear: they are here to stay, and regulators are taking them seriously. The proposed rule by the Treasury Department is a significant step towards integrating stablecoins into the mainstream financial system, but it also raises important questions about the future of innovation and regulation in the digital asset space.",[17,388,389],{},[89,390,391],{},"The proposed stablecoin regulations signal a significant shift towards greater oversight of digital assets and necessitate proactive compliance preparations by financial professionals.",{"title":93,"searchDepth":94,"depth":94,"links":393},[394,395,396,397,398],{"id":310,"depth":97,"text":311},{"id":22,"depth":97,"text":23},{"id":40,"depth":97,"text":41},{"id":56,"depth":97,"text":57},{"id":72,"depth":97,"text":73},"2026-04-08","Stablecoin regulation is coming. FinCEN & OFAC propose rules targeting money laundering & sanctions. Get the details & prepare your fintech\u002Faccounting firm.","\u002Fimages\u002Farticles\u002Fus-treasury-unveils-proposed-stablecoin-rules-targeting-mone.png",{},"\u002Fnews\u002F2026\u002F04\u002Fus-treasury-unveils-proposed-stablecoin-rules-targeting-mone",{"title":305,"description":400},"The Block","https:\u002F\u002Fwww.theblock.co\u002Fpost\u002F396746\u002Fus-treasury-unveils-proposed-stablecoin-rules-targeting-money-laundering-sanctions?utm_source=rss&utm_medium=rss","news\u002F2026\u002F04\u002Fus-treasury-unveils-proposed-stablecoin-rules-targeting-mone",[298,119,301],"Cij5dKGhn8yXTOhM77zPAQ1xMwh5selbEonhe2tud1s",{"id":411,"title":412,"author":7,"body":413,"category":102,"date":454,"description":455,"draft":105,"extension":106,"faq":107,"featured":105,"image":456,"meta":457,"modified":107,"navigation":110,"path":458,"seo":459,"source":188,"sourceUrl":460,"stem":461,"tags":462,"__hash__":463},"news\u002Fnews\u002F2026\u002F04\u002Fregulators-rework-aml-rules-to-prioritize-risk-based-evaluat.md","Regulators Rework AML Rules to Prioritize Risk-Based Evaluations",{"type":9,"value":414,"toc":447},[415,419,422,424,427,429,432,434,437,439,442],[12,416,418],{"id":417},"deep-dive-risk-based-aml-modernization-efforts-gain-traction","Deep Dive: Risk-Based AML Modernization Efforts Gain Traction",[17,420,421],{},"The Financial Crimes Enforcement Network (FinCEN), alongside the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA), have jointly proposed a rule aimed at significantly overhauling the U.S.'s anti-money laundering (AML) and countering the financing of terrorism (CFT) regulatory framework. This proposal signals a shift from a prescriptive, one-size-fits-all approach to a more dynamic, risk-based evaluation system.",[12,423,23],{"id":22},[17,425,426],{},"The proposed rule seeks to modernize existing AML\u002FCFT regulations by requiring financial institutions to prioritize their resources and efforts based on a comprehensive assessment of their unique risk profiles. This involves identifying, assessing, and mitigating specific money laundering and terrorism financing risks relevant to their business activities, customer base, geographic locations, and products\u002Fservices offered. The core of the proposal lies in its emphasis on a tailored approach, acknowledging that different institutions face varying levels and types of illicit financial threats. Instead of adhering to rigid, standardized procedures, financial institutions would be empowered to develop and implement AML programs that are commensurate with their specific risk exposures. This includes the flexibility to allocate resources more effectively to areas deemed most vulnerable to illicit activities. Furthermore, the proposed rule encourages greater collaboration and information sharing between financial institutions and regulators, promoting a more proactive and responsive approach to combating financial crime. The proposal follows the 2020 Anti-Money Laundering Act, a landmark reform aiming to modernize the U.S. AML system.",[12,428,41],{"id":40},[17,430,431],{},"The current AML\u002FCFT regulatory landscape has long been criticized for being overly burdensome, inefficient, and largely ineffective in deterring sophisticated financial criminals. The prescriptive nature of existing regulations often compels financial institutions to expend significant resources on compliance activities that may not directly address the most pressing risks. This can lead to a situation where institutions are \"checking boxes\" rather than actively combating money laundering and terrorism financing. The proposed rule addresses these shortcomings by allowing financial institutions to focus their attention and resources on higher-risk areas. This targeted approach enhances the overall effectiveness of AML\u002FCFT efforts by enabling institutions to better detect and prevent illicit financial flows. Furthermore, the risk-based approach promotes innovation and flexibility, allowing financial institutions to adapt their AML programs to evolving threats and emerging technologies. In contrast, a rules-based system can quickly become outdated and vulnerable to exploitation by sophisticated criminals who are adept at circumventing rigid regulations. The shift towards a risk-based system also aligns the U.S. with international standards set by the Financial Action Task Force (FATF), which advocates for a risk-based approach to AML\u002FCFT compliance. FATF Recommendation 1 states that countries should identify, assess, and understand the money laundering and terrorist financing risks for the country, and should take action, including designating an authority or mechanism to coordinate actions to assess risks, and apply resources aimed at ensuring the risks are mitigated effectively.",[12,433,57],{"id":56},[17,435,436],{},"Finance professionals, particularly those in compliance, risk management, and legal roles, must proactively prepare for the implementation of the proposed rule. This involves conducting thorough risk assessments to identify and evaluate the specific money laundering and terrorism financing risks facing their institutions. These assessments should consider a wide range of factors, including customer demographics, geographic locations, transaction patterns, and product\u002Fservice offerings. Based on the risk assessment findings, institutions should develop and implement AML programs that are tailored to address their unique risk profiles. This may involve enhancing existing controls, implementing new technologies, and providing additional training to employees. It is also crucial to foster a culture of compliance within the organization, where employees are aware of their responsibilities in preventing and detecting money laundering and terrorism financing. This includes providing ongoing training and education to ensure that employees are equipped to identify and report suspicious activity. Professionals should also actively engage with regulators and industry peers to stay informed about the latest developments in AML\u002FCFT regulations and best practices. This can involve attending industry conferences, participating in webinars, and collaborating with other institutions on AML initiatives.",[12,438,73],{"id":72},[17,440,441],{},"The proposed rule represents a significant step towards modernizing the U.S.'s AML\u002FCFT regulatory framework and enhancing its effectiveness in combating financial crime. By empowering financial institutions to adopt a risk-based approach, the rule promotes greater efficiency, flexibility, and innovation in AML compliance. However, the success of this initiative will depend on the ability of financial institutions to conduct thorough risk assessments, develop tailored AML programs, and foster a culture of compliance. Furthermore, regulators must provide clear guidance and support to institutions as they navigate the transition to a risk-based system. Ultimately, the goal is to create a more resilient and effective AML\u002FCFT framework that protects the U.S. financial system from illicit financial flows while minimizing the burden on legitimate businesses. This move towards a risk-based approach mirrors similar shifts in other areas of financial regulation, such as cybersecurity, where a one-size-fits-all approach has proven inadequate in addressing the evolving threat landscape. The focus on risk-based evaluations underscores a growing recognition that effective regulation must be tailored to the specific circumstances of each institution and the unique risks it faces.",[17,443,444],{},[89,445,446],{},"The proposed rule signifies a pivotal shift towards a more effective and adaptable AML\u002FCFT framework that empowers financial institutions to prioritize resources based on their unique risk profiles.",{"title":93,"searchDepth":94,"depth":94,"links":448},[449,450,451,452,453],{"id":417,"depth":97,"text":418},{"id":22,"depth":97,"text":23},{"id":40,"depth":97,"text":41},{"id":56,"depth":97,"text":57},{"id":72,"depth":97,"text":73},"2026-04-07","FinCEN proposes AML rule changes prioritizing risk-based evaluations. Understand the impact for fintech & accounting professionals. Stay compliant.","\u002Fimages\u002Farticles\u002Fregulators-rework-aml-rules-to-prioritize-risk-based-evaluat.png",{},"\u002Fnews\u002F2026\u002F04\u002Fregulators-rework-aml-rules-to-prioritize-risk-based-evaluat",{"title":412,"description":455},"https:\u002F\u002Fwww.pymnts.com\u002Faml\u002F2026\u002Fregulators-rework-aml-rules-to-prioritize-risk-based-evaluations\u002F","news\u002F2026\u002F04\u002Fregulators-rework-aml-rules-to-prioritize-risk-based-evaluat",[119,300],"SZjyBP8PHZhpqkk-Xg-Led8g8kxyuWTA6U92UnI7J-A",{"id":465,"title":466,"author":7,"body":467,"category":102,"date":547,"description":548,"draft":105,"extension":106,"faq":107,"featured":105,"image":549,"meta":550,"modified":107,"navigation":110,"path":551,"seo":552,"source":405,"sourceUrl":553,"stem":554,"tags":555,"__hash__":558},"news\u002Fnews\u002F2026\u002F03\u002Ftreasury-tells-congress-mixers-have-valid-privacy-uses-recom.md","Treasury tells Congress mixers have valid privacy uses, recommends 'hold law for suspicious crypto",{"type":9,"value":468,"toc":541},[469,472,476,479,483,486,489,493,496,528,531,535],[17,470,471],{},"The intersection of cryptocurrency, privacy, and regulation has become a focal point for lawmakers and industry stakeholders alike. The rapid growth of the digital asset market has presented both opportunities and challenges, particularly regarding financial crime and illicit activities. Crypto mixers, designed to obfuscate the transaction history of digital assets, sit squarely at the center of this debate. While proponents argue for their legitimate use in protecting privacy, regulators view them with increasing suspicion due to their potential for facilitating money laundering and sanctions evasion. The inherent tension between the desire for privacy and the need for regulatory oversight has created a complex landscape that demands careful consideration. The recent communication from the Treasury to Congress signals a nuanced approach, acknowledging the potential benefits of crypto mixers while simultaneously advocating for stricter controls to prevent their misuse. This delicate balancing act is crucial for fostering innovation while safeguarding the integrity of the financial system.",[12,473,475],{"id":474},"whats-happening","What's Happening",[17,477,478],{},"The U.S. Treasury Department has recently communicated to Congress its stance on crypto mixers, acknowledging that these tools can serve legitimate privacy purposes while simultaneously highlighting the risks associated with their use in illicit finance. According to the report detailed by The Block, the Treasury is urging Congress to enact legislation that would allow authorities to \"hold\" suspicious crypto assets that have passed through mixers. This proposed \"hold\" law would grant law enforcement the authority to temporarily freeze assets suspected of being linked to criminal activity, giving them time to investigate and potentially seize the funds. This recommendation suggests a pragmatic approach, recognizing that a blanket ban on mixers could stifle innovation and infringe on the privacy rights of legitimate users. Instead, the Treasury is advocating for a targeted approach that focuses on identifying and disrupting illicit activity while allowing legitimate uses of mixers to continue. This also signals a potential shift in regulatory strategy, moving beyond simply targeting the mixers themselves to focusing on the assets that flow through them. The Treasury's communication emphasizes the need for a comprehensive regulatory framework that addresses the unique challenges posed by crypto mixers, balancing the need for privacy with the imperative to combat financial crime.",[12,480,482],{"id":481},"industry-context","Industry Context",[17,484,485],{},"The Treasury's stance on crypto mixers arrives amidst a broader crackdown on illicit activities within the cryptocurrency space. In recent years, regulatory bodies like the Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control (OFAC) have taken increasingly aggressive actions against mixers suspected of facilitating money laundering and sanctions evasion. For example, OFAC sanctioned Blender.io and Tornado Cash, two prominent crypto mixers, citing their role in laundering billions of dollars in illicit funds, including those stolen by North Korean cybercriminals. These actions have sent a clear message that the U.S. government is committed to disrupting the use of crypto for illicit purposes.",[17,487,488],{},"However, these actions have also sparked debate within the crypto community about the potential for overreach and the impact on legitimate privacy. Proponents of mixers argue that they are essential tools for protecting the anonymity of individuals who may face persecution or censorship for their online activities. They also point out that mixers can be used to protect the privacy of businesses and individuals who simply wish to keep their financial transactions private. The Treasury's recognition of these legitimate uses suggests a more nuanced understanding of the technology and its potential benefits. This approach contrasts with the more heavy-handed tactics employed in the past, indicating a willingness to engage in a more balanced and considered regulatory approach. It also reflects a growing awareness within the regulatory community of the need to distinguish between legitimate privacy-enhancing technologies and those used primarily for illicit purposes. This mirrors the broader debate surrounding data privacy, where regulators worldwide are grappling with the challenge of protecting individual rights while maintaining national security and combating crime.",[12,490,492],{"id":491},"why-this-matters-for-professionals","Why This Matters for Professionals",[17,494,495],{},"The Treasury's recommendations have significant implications for professionals working in the cryptocurrency and financial industries. Accountants, CFOs, and fintech practitioners need to be aware of the evolving regulatory landscape surrounding crypto mixers and the potential risks associated with their use. Specifically, professionals should:",[343,497,498,504,510,516,522],{},[346,499,500,503],{},[89,501,502],{},"Implement enhanced due diligence procedures:"," Companies dealing with crypto assets should implement robust Know Your Customer (KYC) and Anti-Money Laundering (AML) programs to identify and mitigate the risk of dealing with illicit funds that may have passed through mixers. This includes screening transactions against sanctions lists and monitoring for suspicious activity.",[346,505,506,509],{},[89,507,508],{},"Develop clear policies on the use of crypto mixers:"," Companies should develop clear policies on the use of crypto mixers, outlining the circumstances under which they may be used and the procedures that must be followed. These policies should be regularly reviewed and updated to reflect the evolving regulatory landscape.",[346,511,512,515],{},[89,513,514],{},"Stay informed about regulatory developments:"," Professionals should stay informed about the latest regulatory developments related to crypto mixers, including guidance from FinCEN, OFAC, and other regulatory bodies. This includes attending industry conferences, reading regulatory updates, and consulting with legal counsel.",[346,517,518,521],{},[89,519,520],{},"Consider the tax implications:"," The use of crypto mixers can complicate tax reporting and compliance. Professionals should be aware of the potential tax implications of using mixers and should consult with tax advisors to ensure compliance with all applicable laws and regulations.",[346,523,524,527],{},[89,525,526],{},"Invest in blockchain analytics tools:"," Utilizing blockchain analytics tools can help track the flow of funds through mixers and identify potential links to illicit activity. This can assist in meeting compliance requirements and mitigating risks.",[17,529,530],{},"Ignoring these considerations could lead to significant financial and legal repercussions, including fines, sanctions, and reputational damage. Proactive compliance and a thorough understanding of the risks associated with crypto mixers are essential for navigating the evolving regulatory landscape.",[12,532,534],{"id":533},"the-bottom-line","The Bottom Line",[17,536,537,538],{},"The Treasury's recommendation to Congress signifies a move towards a more targeted and nuanced approach to regulating crypto mixers, aiming to balance the legitimate need for privacy with the imperative to combat illicit finance, highlighting the growing need for industry professionals to be vigilant and proactive in implementing compliance measures. ",[89,539,540],{},"The future of crypto regulation hinges on striking a balance between fostering innovation and safeguarding the financial system from illicit activities.",{"title":93,"searchDepth":94,"depth":94,"links":542},[543,544,545,546],{"id":474,"depth":97,"text":475},{"id":481,"depth":97,"text":482},{"id":491,"depth":97,"text":492},{"id":533,"depth":97,"text":534},"2026-03-08","Crypto mixers: Valid privacy tool or illicit haven? Treasury urges Congress to hold suspicious crypto assets. Get the latest insights.","\u002Fimages\u002Farticles\u002Ftreasury-tells-congress-mixers-have-valid-privacy-uses-recom.png",{},"\u002Fnews\u002F2026\u002F03\u002Ftreasury-tells-congress-mixers-have-valid-privacy-uses-recom",{"title":466,"description":548},"https:\u002F\u002Fwww.theblock.co\u002Fpost\u002F392769\u002Ftreasury-tells-congress-mixers-have-valid-privacy-uses-recommends-hold-law-for-suspicious-crypto?utm_source=rss&utm_medium=rss","news\u002F2026\u002F03\u002Ftreasury-tells-congress-mixers-have-valid-privacy-uses-recom",[192,556,119,300,557],"privacy","regulation","F1ylUmC2XBlKCDVIjn_hXLdZs36oWPM0nTEUbTSRh1o",{"data":560,"valid_date":564},[561,572,581,590,599,608,614,622,631,640,649,659,669,678,687,696,705,714,722,731,740,748,757,766,775,784,793,800,809],{"currency":562,"id":563,"valid_date":564,"unit":565,"ask":566,"created_at":567,"currency_id":568,"symbol":569,"bid":570,"average":571},"Unknown 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CNY",7755,592,"2026-04-23T00:00:04.731588+07:00","CNH","CNH\u002FKHR",586,589,{"currency":609,"id":610,"valid_date":564,"unit":565,"ask":602,"created_at":611,"currency_id":612,"symbol":613,"bid":606,"average":607},"China Yuan",7756,"2026-04-23T00:00:04.778072+07:00","CNY","CNY\u002FKHR",{"currency":562,"id":615,"valid_date":564,"unit":565,"ask":616,"created_at":617,"currency_id":618,"symbol":619,"bid":620,"average":621},7778,635,"2026-04-23T00:00:05.759062+07:00","DKK","DKK\u002FKHR",629,632,{"currency":623,"id":624,"valid_date":564,"unit":565,"ask":625,"created_at":626,"currency_id":627,"symbol":628,"bid":629,"average":630},"European Euro",7757,4748,"2026-04-23T00:00:04.822241+07:00","EUR","EUR\u002FKHR",4701,4724.5,{"currency":632,"id":633,"valid_date":564,"unit":565,"ask":634,"created_at":635,"currency_id":636,"symbol":637,"bid":638,"average":639},"British 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