Regulations regarding blockchain are still evolving in the U.S. Regulations are there to balance consumer safety and innovation, and decentralization is complex but crucial.
The SEC and CFTC are two organizations that work to stop scams, frauds, and deceptive cryptocurrency schemes.
There are the CLARITY Act, GENIUS Act, Securities Clarity Act, Keep Your Coins Act, and Crypto Tax Clarity.
All these acts (7+ major acts) focus on regularizing cryptocurrency in the US. The US government is actively working on this to make our digital savings easier.