🇬🇧 UK FCA MORTGAGE REFORM: EARLY SIGNALS FOR STOCKS AND CRYPTO?
On June 26, the UK’s Financial Conduct Authority (FCA) released Discussion Paper DP25/2, outlining plans to reshape the mortgage market. The focus is on increasing access to lending—particularly for first-time buyers and the self-employed—while modernizing outdated regulations and potentially scrapping the temporary “Mortgage Charter” introduced during the rate hike cycle.
Crucially, the FCA is considering raising banks’ risk tolerance, which could ease lending criteria and boost the housing market. While this may support homeownership and broader economic growth, concerns are growing about the potential for a housing bubble—drawing parallels to the 2008 crisis.
📊 Impact on stock markets:
Bank and mortgage lender stocks could benefit if lending volumes rise without a corresponding spike in defaults. However, if looser standards backfire, increased risk may cut into profits and weigh on financial equities.
🪙 Impact on crypto markets:
No direct link, but if these reforms strengthen housing and consumer spending while signaling rate stability, they could boost appetite for risk assets like crypto. Conversely, any fears over financial instability could trigger risk-off sentiment and reduce capital flows into digital assets.
The FCA will accept feedback on DP25/2 until September 19, 2025, with official policy updates expected in Q3. Market participants should watch closely for signals of regulatory direction and potential sectoral rotation.
⏳ Outlook:
– Short-term: Expect volatility in financial stocks as traders react to upcoming FCA communications.
– Medium-term: Eased lending could drive up housing demand and support bank earnings.
– Long-term: Outcome depends on how well risk access is balanced against financial system stability.
SC02 M15 pending Short order, entry lies within an LVN zone and is not affected by any weak area. Expected stop-loss is around 0.85%. The downtrend is currently in its 100th cycle, with a decline range of 4.31%.
🇺🇸 U.S. HOUSE PASSES BLOCKCHAIN DEPLOYMENT ACT 2025
A STRATEGIC STEP FOR THE FUTURE OF CRYPTO & FINTECH
On June 25, 2025, the U.S. House passed the “Deploying American Blockchains Act of 2025,” signaling federal support for blockchain innovation. The bill directs the Department of Commerce to lead blockchain adoption efforts and establish a 7-year national program focused on standards, open-source infrastructure, cybersecurity, and voluntary public-private collaboration.
Although the Act does not impose mandatory rules, it encourages coordination between government and private entities. The program includes annual reports to Congress starting in 2027 and aims to strengthen the U.S. position in global blockchain leadership.
🔍 Crypto Market Reaction:
The bill references “tokens” and “tokenization,” implying direct relevance to crypto. However, Bitcoin traded in a narrow range ($105K–$107K) from June 25 to 27, suggesting limited short-term market impact. Investors may be waiting for Senate approval or further details before pricing in long-term implications.
📈 Impact on Equities:
Companies like Coinbase or MicroStrategy could benefit over time if blockchain adoption accelerates. Broader blockchain use in payments, identity, and asset tokenization may cut costs and boost efficiency, potentially driving fintech stocks higher.
🧠 Outlook:
– Short term: Market reaction remains muted as the bill awaits Senate action.
– Medium to long term: If fully implemented, the Act could drive capital into blockchain projects, benefiting both crypto assets and related equities. The 7-year timeline and annual reports may shape future regulation or investor confidence.
In short, the Act marks a meaningful but gradual shift. It won’t trigger immediate price moves, but lays the foundation for future growth.
SC02 H4 pending Short order, entry contains a POC and is not affected by any weak area. Expected stop-loss is around 7.19%. The downtrend is currently in its 224th cycle, with a decline range of 42.42%.
Currently, the Altcoin Season Index (ASI) stands at 21 — still deep in the “Bitcoin Season” range, indicating that most altcoins have underperformed Bitcoin over the past 90 days. Although there has been a slight recovery from the yearly low of 12 (recorded in April), capital flow continues to favor Bitcoin.
In the short term, if the index climbs above the 25–30 range, it could signal the beginning of a capital rotation into altcoins. However, as long as the index remains below 25, the market is likely to stay Bitcoin-dominant.
Outlook: The market is still in a risk-averse phase — investors are not yet ready to embrace high-risk altcoins. A shift toward altcoins may only occur if Bitcoin stabilizes at higher levels and overall market sentiment turns bullish.