U.S. Government Begins Final Review of Retirement Pension Cryptocurrency Investment Regulations

The U.S. government has commenced the final review of regulations aimed at expanding investments in cryptocurrencies such as Bitcoin through retirement pension plans like 401(k). If the regulations are finalized, it is expected that American workers will have more opportunities to invest in Bitcoin and other cryptocurrencies through their retirement pensions. According to regulatory review records from the Office of Information and Regulatory Affairs (OIRA) under the Office of Management and Budget (OMB) on the 9th, the Department of Labor submitted the final regulations outlining criteria for selecting retirement pension investment products for review on the 5th. This regulation is a measure to expand the investment targets of 401(k) plans to include digital assets such as Bitcoin. The 401(k) plan allows workers to set aside a portion of their salary and receive retirement benefits based on the performance of their investments. President Donald Trump signed an executive order on August 7, 2025, to expand the investment targets of retirement pensions. The Department of Labor announced the criteria to be applied when pension fund managers select new investment products on March 31 and collected opinions until June 1. The core of the proposed regulation is to ensure that pension fund managers thoroughly review profitability, fees, and risks when selecting new investment products such as digital assets. It also includes provisions to reduce the legal liability of managers in the event of investment losses, provided that they followed the established procedures for selecting investment products. However, even if the regulations are finalized, it does not mean that Bitcoin investments will be possible in all retirement pensions. The current regulations are still in the White House review stage, and the timeline for final approval and implementation has not been determined.

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