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House Bill Seeks to Shield Noncustodial Blockchain Developers From Money-Transmitter Charges

Backers say the proposal restores legal clarity by limiting Section 1960 to actors that control customer funds.

Overview

  • Reps. Scott Fitzgerald, Ben Cline, and Zoe Lofgren introduced the bipartisan Promoting Innovation in Blockchain Development Act on Feb. 26.
  • The bill would amend 18 U.S.C. §1960 so liability targets those who hold or control user assets, excluding developers who only write or maintain open-source code.
  • Sponsors emphasize the change would not protect custodial businesses from prosecution and is intended to preserve enforcement against true financial intermediaries.
  • Industry groups including the DeFi Education Fund, the Blockchain Association, the Solana Institute, and Jump Crypto quickly endorsed the measure.
  • The push follows recent cases involving Tornado Cash and Samourai Wallet, with parallel Senate efforts underway and open questions about whether any reform would affect ongoing prosecutions.