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Topic: explainer

The dome of the United States Capitol
Crypto
Friday, 7/17, 04:33 AM

SEC or CFTC: Who Actually Regulates Crypto in the US?

  • US oversight of crypto is split between two agencies, the SEC and the CFTC, and which one is in charge depends on whether a token counts as a 'security' or a 'commodity.' That distinction, drawn from decades-old law, has driven years of legal fights.
  • New legislation is now trying to settle it.
  • Here is the plain-English guide.
A piggy bank beside stacked coins
Personal Finance 46 d

Emergency Funds: How Much to Save and Where to Keep It

  • An emergency fund is cash set aside to cover a sudden shock, a job loss, a car repair, a medical bill, without borrowing.
  • The standard target is three to six months of essential expenses, yet US survey data show many households are nowhere near it.

In brief

In brief

The Charging Bull sculpture in New York's financial district
Personal Finance 48 d

What Is an ETF? A Plain-English Guide to Exchange-Traded Funds

  • Exchange-traded funds have become the default way millions of people invest — holding trillions of dollars between them.
  • Here's what an ETF actually is, how it differs from a mutual fund, and what to watch before you buy one.

In brief

In brief

explainer — news and stories on this topic

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