A monthly plain-language digest of the American legal landscape for digital life — the bills, rules, court decisions, and state laws that shape how Americans hold money, use AI, share data, and live online. Every item is drawn from the primary source: the bill text, the Federal Register, the agency release, the court document, or the statute itself. Topics still open are carried on the docket month after month until they resolve.
This digest is an educational publication. It summarizes public legal developments in plain language for general information. This is education, not legal advice.
November 2026 is compiling now, in public: 26 folders open, 4 verified so far. Watch the issue build — every topic a folder, every folder stamped, and no facts stated until they check out on the primary source.
The CFTC writes its own crypto rules · the first final GENIUS rule lands · FinCEN withdraws the mixer and unhosted-wallet proposals · Florida's and Georgia's social-media laws survive in the Eleventh Circuit · New York signs a chatbot law · nine states sue OpenAI · the IRS gives staking trusts a safe harbor · and everything still on the docket, carried forward and accounted for.
The Senate's crypto market-structure bill fails its big vote, 49–50 · the SEC opens a five-year sandbox for tokenized stocks anyway · a crypto tax bill clears committee with a wash-sale rule that reaches back to mid-September sales · sanctions take down a $24 billion scam marketplace, an Iranian exchange, and an ATM-malware gang in one month · California builds an AI-auditor state, enacts Adam's Law for children's chatbots, and closes the "we bought your data" deletion loophole · Washington renames AI "Super Intelligence" and builds it a front door · California answers by declaring AI is called AI · the IRS publishes its digital-asset to-do list and warns that the letter with the QR code is fake.
The Senate tees up the crypto market-structure vote · the SEC proposes the first standalone crypto offering rulebook · the stablecoin law's rulemaking begins · California's AI transparency law switches on · California's data-broker deletion machine starts running · three of the biggest children's-privacy resolutions in U.S. history land in one month · a $942 million state judgment against Meta · private companies are formally deputized for offensive cyber operations · a permanent CBDC ban is introduced · open banking is rewritten · Colorado says a chatbot cannot be your therapist.
The August, September, and October 2026 issues are back issues, compiled in November 2026 from each month's public record and labeled that way on purpose. New issues follow monthly.