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, U.S. Senator Elizabeth Warren sent a letter to the SEC warning that savers could "lose big" if crypto is added to 401k retirement plans (source: social media post dated Jan 12, 2026 reporting Warren’s letter to the SEC). For traders, this signals potential regulatory headwinds that may temper expectations for retirement-plan inflows into BTC and ETH and increase headline risk during U.S. trading hours (source: same Jan 12, 2026 social media post highlighting opposition to 401k crypto exposure). The source does not mention any SEC response, so traders should monitor official SEC communications and retirement-plan provider updates for follow-up that could move prices (source: same Jan 12, 2026 social media post).

According to @CNBC, the American Federation of Teachers (AFT) criticized a U.S. crypto market bill and warned it presents 'profound risks' for America's retirement plans, highlighting concerns around retirement-plan exposure to digital assets. Source: CNBC. CNBC reports the union’s opposition adds political headwinds to crypto-related retirement policy elements currently tied to the bill in Congress, a focal point for investor attention on regulatory clarity. Source: CNBC.

According to the source, U.S. lawmakers urged the SEC to implement an Aug. 7 executive order to allow 401(k) plans to invest in Bitcoin (BTC) and crypto; this claim is unverified pending an official document published on federalregister.gov, whitehouse.gov, congress.gov, or sec.gov. Source: user-supplied social media post dated 2025-09-22. Traders should wait for an official SEC notice, rulemaking, or staff guidance on SEC.gov before pricing in any policy impact, as retirement-plan access could materially influence demand for spot BTC ETFs. Source: SEC.gov, approvals for spot Bitcoin ETP listings and trading were published on Jan 10, 2024. The current baseline remains the U.S. Department of Labor’s 2022 guidance cautioning 401(k) fiduciaries on crypto exposure, meaning any change would require explicit, superseding guidance from the DOL and/or SEC. Source: U.S. Department of Labor, Compliance Assistance Release No. 2022-01 on 401(k) investments in cryptocurrencies.