Crypto Structure Bill could trigger the next financial crisis? Here are 5 Key Points from AFT’s Rejection

Jakarta, Pintu News – The American Federation of Teachers (AFT) has raised formal objections to the crypto market structure bill currently before the United States Senate. In a letter to the Senate Banking Committee, the AFT warned that regulatory loopholes in the bill have the potential to create systemic risks that could trigger a new financial crisis.

These concerns were echoed by the AFL-CIO, the country’s largest union federation, which felt that the bill should be deeply revised before going any further.

AFT’s concerns over regulatory loopholes

According to Bitcoinist, AFT President Randi Weingarten highlighted several fundamental flaws in the bill in her official letter to Banking Committee Chairman Tim Scott and Ranking Member Elizabeth Warren. Weingarten asserted that a number of provisions in the bill could be exploited by market participants to circumvent comprehensive regulation, magnifying risks to the financial system. She noted that inadequate regulation could harm teachers, education workers, and the millions of other workers represented by AFT.

In the same report, Weingarten warned that without significant revisions, the bill not only creates legal loopholes but also threatens general economic stability. AFT’s concerns are based on historical experiences where lax regulation in the financial sector contributed to major crises such as the 2008 crash.

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Responses from Supporters and Opponents of the Bill

Bitcoinist explains that Elizabeth Warren, one of the most vocal figures on digital asset regulation, supports AFT’s concerns and thinks that consumer protection should be a top priority. Warren has long advocated for a stricter legal framework for crypto markets to prevent market manipulation and unidentified systemic risks.

On the other hand, some proponents of the crypto market structure bill argue that the new regulatory framework will provide clarity and security for the rapidly growing crypto industry. According to them, with proper regulation, digital assets can thrive without compromising the stability of the financial system. However, the AFT and AFL-CIO emphasized that deep revisions are needed to close the remaining legal loopholes.

Potential Implications if the Bill is Passed

Bitcoinist writes that if the bill is passed in its current form, major changes are likely to occur in digital asset trading operations. The bill seeks to establish a more structured legal framework, which in theory could strengthen consumer protection and prevent market abuse.

However, the AFT and AFL-CIO warned that unrepaired loopholes in the bill could facilitate speculative behavior that has triggered financial crises in the past. They urged regulators and lawmakers to have additional discussions before proceeding with the legislation. Without strict oversight, systemic risk could increase and have far-reaching consequences for the economy.

Conclusion

For AFT, this issue is not just about crypto, but about the financial safety of millions of American workers. They called on the Senate Banking Committee to review the contents of the bill and ensure that there are no regulatory loopholes that could potentially jeopardize the national economy. With the increasing use of digital assets, the need for thoughtful and comprehensive regulation has never been more pressing.

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FAQ

What is the American Federation of Teachers (AFT)?

The AFT is a national union representing teachers, education staff, and other public workers in the United States.

Why did AFT reject the crypto market structure bill?

According to Bitcoinist, AFT believes that the bill contains loopholes that market participants could exploit and potentially trigger major financial risks.

What are the risks if this bill is passed without revision?

The AFT and AFL-CIO warned that regulatory loopholes could lead to excessive speculation and threaten the stability of the financial system, similar to past crises.

What is Elizabeth Warren’s role in this issue?

Elizabeth Warren is the Ranking Member of the Senate Banking Committee who highlighted the need for strict regulation on digital assets and supported the AFT’s criticism.

Why did the AFL-CIO also reject this bill?

The AFL-CIO believes that the bill could jeopardize workers and the financial system due to inadequate regulatory oversight and restrictions.

Reference

• Bitcoinist. AFT Opposes Crypto Market Structure Bill in Letter. Accessed on December 11, 2025