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Crypto-Assets: Implications for Consumers, Investors, and Businesses

This report :

- reviews the current crypto-asset markets & trends that inform the potential opportunities and risks associated with their use.

- focuses on cryptoassets rather than digital assets more broadly as crypto-assets are currently at the center of the consumer and investor experience.

- also discusses the implications of these opportunities and risks for consumers, investors, and businesses, with an eye towards those aspects affecting populations vulnerable to disparate impacts.

-observes that, despite the recent expansion in the number and type of crypto-assets and activities, crypto-asset products are primarily used to trade, lend, and borrow other crypto-assets. Nevertheless, it is possible that new products and use cases could emerge.

-outlines the risks, including conduct & market integrity risks, operational risks, and intermediation risks (i.e., traditional financial risks that have the potential to manifest in particular ways in the crypto-asset markets). Some risks are unique to the crypto-asset ecosystem, while others are versions of those experienced in traditional financial markets that may be heightened when experienced in the crypto-asset ecosystem.

- recommends that relevant agencies adopt a multi-part approach to address relevant risks associated with the cryptoasset sector using their existing authorities.

Recommendation 1: U.S. regulatory and law enforcement agencies should, as appropriate, vigilantly monitor the crypto-asset sector for unlawful activity, aggressively pursue investigations, and continue to bring civil and criminal actions to enforce applicable laws with a particular focus on consumer, investor, and market protection.

Recommendation 2: U.S. regulatory agencies should continue using their existing authorities to issue supervisory guidance and rules, as needed, to address current and emerging risks in crypto-asset products and services for consumers, investors, and businesses.

Recommendation 3: U.S. authorities should work individually and through the Financial Literacy and Education Commission (FLEC), as appropriate, to ensure that U.S. consumers, investors, and businesses have access to trustworthy information on crypto-assets.

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https://home.treasury.gov/

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p/o Virginie Gastine Menou

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