According to Crypto In America, on November 5, U.S. House Democrats are discussing a comprehensive digital asset bill based on Rep. Maxine Waters' 2025 "Digital Asset Investor and Consumer Bill of Rights" proposal. The new bill would strengthen SEC regulatory authority over CFTC—a departure from Republicans' CLARITY Act—and include investor protections such as 24-hour customer support, insurance coverage for customer assets, enhanced custody requirements, and monthly reserve verification.

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