The high-risk obligations apply from August 2, 2026, and banks deploying creditworthiness AI owe a fundamental-rights impact assessment most have not started writing.
The 2015 licensing regime keeps the tightest crypto perimeter in American finance, and its 2023 amendments moved the daily workload to listing and custody governance.
The EU's operational-resilience regulation has applied since January 2025, and its most original machinery sits where designation of critical providers turns into contract law.
Since the e-money and asset-referenced token titles applied in June 2024, authorization — not volume or location — decides whether a stablecoin may touch an EU customer at all.
SB 25B-004 pushed the Colorado AI Act to June 30, 2026, and the five-month reprieve is best spent building the impact-assessment file the statute already requires.