According to the source, a social post referenced policy discussions about tighter SEC scrutiny of crypto risks and potential inclusion of crypto in U.S. retirement plans, which traders should evaluate against established regulatory baselines and documented market responses. Source: user-provided social post; U.S. Department of Labor Compliance Assistance Release No. 2022-01; Fidelity Investments press release (2022-04-26); U.S. Senate release on the Financial Freedom Act (2022); SEC Office of Investor Education and Advocacy crypto risk bulletins. The U.S. Department of Labor warned in March 2022 that plan fiduciaries must exercise extreme care before adding crypto to 401(k) menus, creating a high bar that has discouraged broad plan adoption. Source: U.S. Department of Labor, Compliance Assistance Release No. 2022-01. Fidelity announced in April 2022 an employer option to include BTC in 401(k) plans with safeguards such as a 20% participant allocation cap, illustrating conditional access pathways that could expand or contract with policy direction. Source: Fidelity Investments press release, April 26, 2022. Congress signaled support for sponsor discretion via the Financial Freedom Act proposal, while the SEC has repeatedly highlighted volatility, fraud, and custody risks that shape its enforcement posture—key drivers of headline-sensitive price action in BTC and ETH. Source: U.S. Senate release on the Financial Freedom Act (2022); SEC Office of Investor Education and Advocacy investor alerts on crypto assets. Trading takeaway: Clear policy to explicitly permit crypto in qualified retirement plans would likely support longer-horizon spot demand for BTC and ETH and lift crypto-exposed equities, while renewed DOL/SEC restrictions or warnings typically pressure risk sentiment, widen funding rate discounts, and dampen basis in perpetual futures. Source: CME Group and Cboe published futures and options volume reports around U.S. regulatory events in 2022–2024; SEC and DOL publications cited above.

According to the source, a claim circulated that U.S. Congressman Troy Downing introduced a bill to codify a Trump executive order allowing cryptocurrencies and alternative assets in 401(k) retirement accounts. Source: user-provided social post. This claim cannot be independently verified here because the post includes no bill number, congressional filing, or member press release; traders should wait for an official listing on Congress.gov or an announcement on the member’s official site before adjusting positioning. Source: Congress.gov official legislation database. Regulatory context remains that plan fiduciaries face heightened scrutiny when offering crypto options in 401(k)s under existing federal guidance that cautions against crypto exposure in employer plans. Source: U.S. Department of Labor Field Assistance Bulletin 2022-01. Some providers already allow limited BTC exposure within 401(k) platforms subject to employer approval, indicating that access currently depends on plan sponsors rather than federal statute. Source: Fidelity Investments press release dated April 26, 2022.

According to @KobeissiLetter, President Trump allowed 401(k)s to buy crypto, citing $9 trillion in 401(k) assets versus a roughly $4 trillion total crypto market cap, implying access to capital about 2.25x the market’s size; Source: The Kobeissi Letter post on X dated Aug 9, 2025. For implementation, any broad 401(k) access to crypto would need to align with or be reflected in updated guidance from the U.S. Department of Labor, which in March 2022 cautioned plan fiduciaries about offering crypto in plan lineups under ERISA (Compliance Assistance Release 2022-01); Source: U.S. Department of Labor, EBSA, CAR 2022-01, March 2022. Plan-level offerings have historically depended on provider policies, as seen when Fidelity announced an optional Bitcoin exposure for workplace retirement plans in April 2022, subject to employer approval; Source: Fidelity Investments press release, April 26, 2022. Trading focus: monitor official statements from the Department of Labor and major plan providers for confirmation, and track spot Bitcoin ETF volumes and flows as potential allocation rails if plans adopt crypto, following the SEC’s January 2024 approval of U.S.-listed spot Bitcoin ETFs; Source: U.S. Securities and Exchange Commission approval order and statements, Jan 10, 2024.