Welcome to the seventh issue of The Bitcoin Act, where every Tuesday and Sunday we track the legal and regulatory moves that actually shape Bitcoin — cutting through noise, narratives, and theater.

Now for today’s top stories:

⚖️ SEC & CFTC Join Forces on Crypto
After years of rivalry, the agencies plan joint guidance on tokenization, exemptions, and 24/7 markets in 2026.

💸 SEC Charges $14M Crypto Scam
Seven entities allegedly defrauded retail investors via social-media ads and WhatsApp groups, highlighting fraud risks in online crypto schemes.

👩‍💼 Key SEC Voice Retires
Cicely LaMothe, instrumental in clarifying memecoins and staking rules, steps down as the SEC shifts toward a more crypto-friendly approach.

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In 2026, the SEC and CFTC are expected to align more closely on digital-asset regulation after years of rivalry. The SEC plans a “token taxonomy,” faster paths for crypto products, and updated rules for tokenization, while lawmakers seek to expand the CFTC’s authority. For the first time, cooperation—not competition—may set the pace for U.S. crypto policy. The Block

The SEC has filed charges against seven entities accused of running a $14M crypto investment scam that targeted retail users through social-media ads and WhatsApp groups. Victims were guided to deposit funds into fake trading platforms, with “AI-generated” advice used to build trust. The case highlights how social messaging apps remain a major vector for crypto fraud. The Block

Cicely LaMothe, a central figure in shaping the SEC’s recent crypto guidance—including clarifications that memecoins and staking are not securities—is retiring. Her exit comes as the agency enters a more crypto-friendly phase, having approved new ETF listing standards and dropped high-profile enforcement cases. LaMothe helped set the groundwork for the SEC’s evolving approach under “Project Crypto.”. The Block

🇷🇺 Russia criminalizes unregistered mining
Illegal miners could face up to 5 years in prison as Russia moves from legalization to strict enforcement.

🌍 7 most crypto-friendly countries
UAE, Switzerland, Singapore, El Salvador, Portugal, Malta, Brazil offer clear rules, tax perks, and supportive crypto ecosystems.

🇪🇺 EU launches DAC8 tax reporting
From Jan 1, crypto firms must report user data; non-compliance can trigger penalties and asset seizures across the EU.

📄 The Block Publishes 2026 Crypto Regulation Outlook
The report highlights key regulatory trends shaping crypto next year, including stablecoin frameworks, market structure bills, and evolving SEC guidance.

🇪🇸 Spain fast-tracks MiCA + DAC8
Spain bets on regulatory certainty as competitive edge, aiming to attract compliant crypto businesses as U.S. hesitates.

🇨🇳 China’s digital yuan pays interest
From Jan 2026, e-CNY becomes interest-bearing while China tightens crackdowns on Bitcoin mining and tokenization.

🇷🇺 Sberbank’s first crypto-backed loan
Sberbank issues Russia’s first loan collateralized by bitcoin, signaling rising institutional adoption despite tighter mining rules.

“The history of money is the history of civilisation.” — Friedrich A. Hayek

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