Big news: The U.S. Department of Labor has sent its final rule on crypto in 401(k) plans to the White House. On November 5, the final version, titled “The Duties of a Fiduciary in Selecting Designated Investment Alternatives,” formally entered OIRA review—the last step before publication. The key provision gives employers a “safe harbor”: if they follow a process that considers six factors—performance, fees, liquidity, valuation, benchmarks, and complexity—they can add private equity, real estate, or crypto to their retirement plan menus without fear of being sued. Note: No one will be required to offer crypto. BTC and ETH will likely be first, while smaller coins will face a higher bar. U.S. 401(k) plans hold $10.8 trillion; even 2% flowing in would amount to $216 billion. OIRA review can take up to 90 days, so we’ll know in 2027. #401k #CryptoRegulation