Regulatory fragmentation is now almost as big a barrier to cross-border expansion as regulatory uncertainty (26.7% vs 30%), per our State of Digital Money 2026 survey. Most respondents say 10–20% of their compliance spend is duplicative. Full report:

Regulatory certainty in crypto markets shouldn’t come with an expiration date. I’m committed to working across the aisle to establish clear, durable rules of the road that provide lasting regulatory certainty and stand the test of time. More on @Bankless:

Regulatory scrutiny around institutional crypto custody is heightening 🏦 On October 2, the SEC made regulatory moves focused on crypto custody that could raise compliance costs for institutional custodians. As traditional capital enters the space, secure and compliant infrastructure is paramount. Learn how digital asset storage models differ across the ecosystem 👇

“Regulatory clarity is the foundation of institutional trust.” Last month, Ripple received full EU authorization for a MiCA Crypto Asset Service Provider (CASP) license from Luxembourg’s CSSF. 🇪🇺 With our EU EMI license, institutions across all 30 EEA nations can now collect, exchange, and pay out via Ripple Payments in a single regulated relationship. Regulation-first, ready to scale.

Regulatory and Transparency Rules Officially Take Effect The transparency-related provisions of the EU AI Act began enforcement on August 2. Interactive AI systems (such as chatbots) must clearly inform users that they are interacting with AI rather than a human; deepfakes and AI-generated or AI-altered content must be clearly labeled and support machine-readable markings for detection. California’s SB 942 took effect on the same day, requiring large generative AI providers with more than one million monthly active users in California to embed C2PA-compatible provenance data in images, video, and audio, and to offer a free public detection tool. This marks the formal implementation of mandatory AI content transparency rules in major markets, with wide-reaching impact (the “Brussels effect” may drive global compliance).

A regulatory body said Emerge Canada breached securities law when it took millions of dollars in loans from ETFs to pay for its own costs. The ruling caps a saga that had captivated Bay Street. Read more in the Canada Daily newsletter.

Strong regulatory systems help protect patients, save lives and improve access to quality health products. Dr Mohamed Ismail, Team Lead for Health Products and Regulatory Systems at @WHOAFRO, shares his perspectives on regulation, local production, health security and the efforts underway to strengthen regulatory systems across the African Region.