Sources: FinCEN "unhosted wallet" rule and the 2023 mixer rule
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Research, not advice. Part of the Bitcoin research archive (October 2026). Claims labelled unverified, contested or fringe are reported, not endorsed; statuses of bills and rules are as of the date checked. Government, court and patent records are public domain; the research notes are CC BY 4.0.
Sources: FinCEN "unhosted wallet" rule and the 2023 mixer rule
Saved copies for legislation/us-federal-fincen-wallet-registration.md. Everything was retrieved on 2026-10-09.
The government and court documents here are full copies. The .txt files are the Federal Register's own
plain-text editions (GPO HTML wrapper included). The comment letters in comments-2020-docket/ are public
submissions in a federal docket, downloaded from regulations.gov. News articles are not saved; they are summarized,
with links, in the legislation file.
Federal Register documents
| Title | Issuer | Date | URL | File |
|---|---|---|---|---|
| Requirements for Certain Transactions Involving Convertible Virtual Currency or Digital Assets (NPRM), 85 FR 83840, FR Doc 2020-28437, RIN 1506-AB47 | Treasury / FinCEN | 2020-12-23 (filed 2020-12-18) | https://www.federalregister.gov/documents/2020/12/23/2020-28437/requirements-for-certain-transactions-involving-convertible-virtual-currency-or-digital-assets | 2020-12-23-FR-2020-28437-unhosted-wallet-NPRM.txt, .pdf |
| Same title; reopening of comment period, 86 FR 3897, FR Doc 2021-01016 | Treasury / FinCEN | 2021-01-15 | https://www.federalregister.gov/documents/2021/01/15/2021-01016 | 2021-01-15-FR-2021-01016-unhosted-wallet-NPRM-comment-reopening.txt, .pdf |
| Same title; extension of comment period, 86 FR 7352, FR Doc 2021-01918 | Treasury / FinCEN | 2021-01-28 | https://www.federalregister.gov/documents/2021/01/28/2021-01918 | 2021-01-28-FR-2021-01918-unhosted-wallet-NPRM-comment-extension.txt, .pdf |
| Same title; Withdrawal, 91 FR 63514, FR Doc 2026-20430 | Treasury / FinCEN | 2026-10-06 (filed 2026-10-05) | https://www.federalregister.gov/documents/2026/10/06/2026-20430/requirements-for-certain-transactions-involving-convertible-virtual-currency-or-digital-assets | 2026-10-06-FR-2026-20430-unhosted-wallet-NPRM-withdrawal.txt, .pdf |
| Proposal of Special Measure Regarding Convertible Virtual Currency Mixing, as a Class of Transactions of Primary Money Laundering Concern (NPRM), 88 FR 72701, FR Doc 2023-23449, RIN 1506-AB64 | Treasury / FinCEN | 2023-10-23 (signed 2023-10-19) | https://www.federalregister.gov/documents/2023/10/23/2023-23449 | 2023-10-23-FR-2023-23449-mixer-NPRM.txt, .pdf |
| Same title; Withdrawal of finding and NPRM, 91 FR 63513, FR Doc 2026-20429 | Treasury / FinCEN | 2026-10-06 (filed 2026-10-05) | https://www.federalregister.gov/documents/2026/10/06/2026-20429/proposal-of-special-measure-regarding-convertible-virtual-currency-mixing-as-a-class-of-transactions | 2026-10-06-FR-2026-20429-mixer-NPRM-withdrawal.txt, .pdf |
| Threshold for the Requirement To Collect, Retain, and Transmit Information on Funds Transfers and Transmittals of Funds ... (travel-rule NPRM), 85 FR 68005, FR Doc 2020-23756, RIN 1506-AB41 | Federal Reserve Board and FinCEN | 2020-10-27 | https://www.federalregister.gov/documents/2020/10/27/2020-23756 | 2020-10-27-FR-2020-23756-travel-rule-threshold-NPRM.txt, .pdf |
| Executive Order 14178, Strengthening American Leadership in Digital Financial Technology, 90 FR 8647, FR Doc 2025-02123 | President | 2025-01-31 (signed 2025-01-23) | https://www.federalregister.gov/documents/full_text/text/2025/01/31/2025-02123.txt | 2025-01-31-FR-2025-02123-EO-14178.txt |
| Permitted Payment Stablecoin Issuer Customer Identification Program (NPRM), 91 FR 37234, FR Doc 2026-12460 | FinCEN, OCC, Federal Reserve Board, FDIC, NCUA | 2026-06-22 | https://www.federalregister.gov/documents/full_text/text/2026/06/22/2026-12460.txt | 2026-06-22-FR-2026-12460-stablecoin-issuer-CIP-NPRM.txt |
Agency press releases and reports
| Title | Issuer | Date | URL | File |
|---|---|---|---|---|
| The Financial Crimes Enforcement Network Proposes Rule Aimed at Closing Anti-Money Laundering Regulatory Gaps for Certain Convertible Virtual Currency and Digital Asset Transactions (sm1216) | Treasury | 2020-12-18 | https://home.treasury.gov/news/press-releases/sm1216 | 2020-12-18-Treasury-press-release-sm1216-FinCEN-proposes-rule.html |
| FinCEN Proposes New Regulation to Enhance Transparency in Convertible Virtual Currency Mixing and Combat Terrorist Financing | FinCEN | 2023-10-19 | https://www.fincen.gov/news/news-releases/fincen-proposes-new-regulation-enhance-transparency-convertible-virtual-currency | 2023-10-19-FinCEN-press-release-mixer-NPRM.html |
| FinCEN Announces Withdrawals of Proposed Digital Asset Related Rules | FinCEN | 2026-10-05 | https://www.fincen.gov/news/news-releases/fincen-announces-withdrawals-proposed-digital-asset-related-rules | 2026-10-05-FinCEN-press-release-withdrawals-digital-asset-rules.html |
| Strengthening American Leadership in Digital Financial Technology (President's Working Group on Digital Asset Markets report under EO 14178), 166 pp. | White House | 2025-07 (PDF created 2025-07-28) | https://www.whitehouse.gov/wp-content/uploads/2025/07/Digital-Assets-Report-EO14178.pdf | 2025-07-PWG-Digital-Assets-Report-EO14178.pdf |
Page numbers cited from the report are the printed page numbers. Printed p. 100 is PDF page 104.
Unified Agenda entries (reginfo.gov, OMB/OIRA)
| Title | Issuer | Agenda | URL | File |
|---|---|---|---|---|
| RIN 1506-AB47, Requirements for Certain Transactions Involving CVC or Digital Assets | Treasury / FinCEN | Fall 2023 (final action "To Be Determined") | https://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202310&RIN=1506-AB47 | unified-agenda-fall-2023-RIN-1506-AB47.html |
| RIN 1506-AB47, same | Treasury / FinCEN | Spring 2024 (Completed Actions, "Withdrawn 04/12/2024") | https://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202404&RIN=1506-AB47 | unified-agenda-spring-2024-RIN-1506-AB47.html |
| RIN 1506-AB64, Implementation of Special Measure Regarding CVC Mixing | Treasury / FinCEN | Agenda labelled "2026" (pubId 202510): Long-Term Actions, final action 12/00/2027 | https://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202510&RIN=1506-AB64 | unified-agenda-2026-RIN-1506-AB64.html |
| RIN 1506-AB41, travel-rule threshold | Treasury / FinCEN | Spring 2025 (Completed Actions, "Withdrawn 04/16/2025") | https://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202504&RIN=1506-AB41 | unified-agenda-spring-2025-RIN-1506-AB41-travel-rule-threshold.html |
Congress
| Title | Issuer | Date | URL | File |
|---|---|---|---|---|
| Public Law 119-5 (H.J. Res. 25): disapproval under the Congressional Review Act of the IRS rule "Gross Proceeds Reporting by Brokers That Regularly Provide Services Effectuating Digital Asset Sales" | Congress (GPO) | 2025-04-10 | https://www.govinfo.gov/content/pkg/PLAW-119publ5/html/PLAW-119publ5.htm | 2025-04-10-Public-Law-119-5-HJRes25-CRA-IRS-DeFi-broker-rule.htm |
| H.R. 3633, Digital Asset Market Clarity Act of 2025, Engrossed in House | Congress (GPO) | 2025 (House passage) | https://www.govinfo.gov/content/pkg/BILLS-119hr3633eh/html/BILLS-119hr3633eh.htm | 2025-07-HR3633-CLARITY-Act-engrossed-in-House.htm |
| H.R. 3633, Reported in Senate with an amendment in the nature of a substitute (Calendar No. 423) | Congress (GPO) | 2026-06-01 | https://www.govinfo.gov/content/pkg/BILLS-119hr3633rs/html/BILLS-119hr3633rs.htm | 2026-06-01-HR3633-reported-in-Senate-with-substitute.htm |
| Senate Roll Call Vote 119th Congress, 2nd Session, Vote 234: cloture on the motion to proceed to H.R. 3633 (rejected 49-50) | U.S. Senate | 2026-09-15 | https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00234.htm | 2026-09-15-Senate-roll-call-vote-119-2-00234-HR3633-cloture.htm |
| Senate roll call vote list, 119th Congress, 2nd Session | U.S. Senate | through 2026-10-09 | https://www.senate.gov/legislative/LIS/roll_call_lists/vote_menu_119_2.xml | senate-roll-call-vote-menu-119th-2nd-session.xml |
Also checked but not saved (read on govinfo.gov, 2026-10-09): - H.R. 4763 (118th), FIT21, engrossed in House, section 105(d) "Protection of Self-custody": https://www.govinfo.gov/content/pkg/BILLS-118hr4763eh/html/BILLS-118hr4763eh.htm - House FSGG appropriations bills H.R. 4664 (118th, reported) and H.R. 8773 (118th, reported): no mention of unhosted, self-hosted or wallet.
States
| Title | Issuer | Date | URL | File |
|---|---|---|---|---|
| Kentucky HB 701 (2025 RS), "AN ACT relating to blockchain digital assets": bill record. Signed by Governor 2025-03-24 (Acts Ch. 50) | Kentucky General Assembly | 2025 | https://apps.legislature.ky.gov/record/25rs/hb701.html | state-KY-2025-HB701-bill-record.html |
| Oklahoma HB 3594 (2024): bill record. Approved by Governor 2024-05-13 | Oklahoma Legislature | 2024 | http://www.oklegislature.gov/BillInfo.aspx?Bill=HB3594&Session=2400 | state-OK-2024-HB3594-bill-record.html |
Public comments, docket FINCEN-2020-0020 (comments-2020-docket/)
Downloaded from https://downloads.regulations.gov/<comment-id>/attachment_1.pdf.
| Comment ID | Commenter | Letter date | File |
|---|---|---|---|
| FINCEN-2020-0020-6205 | Coinbase | 2021-01-04 | comments-2020-docket/FINCEN-2020-0020-6205.pdf |
| FINCEN-2020-0020-8248 | Coinbase (second comment) | 2021-03-25 | comments-2020-docket/FINCEN-2020-0020-8248.pdf |
| FINCEN-2020-0020-6058 | Square, Inc. (signed Jack Dorsey) | undated; PDF created 2021-01-04, posted 2021-01-07 | comments-2020-docket/FINCEN-2020-0020-6058.pdf |
| FINCEN-2020-0020-8265 | Square, Inc. (second comment) | 2021-03-29 | comments-2020-docket/FINCEN-2020-0020-8265.pdf |
| FINCEN-2020-0020-6805 | Electronic Frontier Foundation | 2021-01-04 | comments-2020-docket/FINCEN-2020-0020-6805.pdf |
| FINCEN-2020-0020-7277 | Coin Center (supplemental) | dated "January 7, 2020" on the letter (posted 2021-01-08; the year is a typo for 2021) | comments-2020-docket/FINCEN-2020-0020-7277.pdf |
| FINCEN-2020-0020-7464 | Coin Center (further supplemental) | 2021-03-15 | comments-2020-docket/FINCEN-2020-0020-7464.pdf |
| FINCEN-2020-0020-6578 | Blockchain Association | 2021-01-04 | comments-2020-docket/FINCEN-2020-0020-6578.pdf |
| FINCEN-2020-0020-8274 | Blockchain Association (additional) | 2021-03-29 | comments-2020-docket/FINCEN-2020-0020-8274.pdf |
| FINCEN-2020-0020-2417 | Wall Street Blockchain Alliance | 2021-01-04 | comments-2020-docket/FINCEN-2020-0020-2417.pdf |
Docket comment counts, from the regulations.gov v4 API (/v4/comments?filter[docketId]=...), queried 2026-10-09:
FINCEN-2020-0020 = 8,274 comments; FINCEN-2023-0016 (mixer) = 2,160 comments.