ARTICLE
27 March 2026

Digital Or Else: Proposed Regulations Would Nix Paper Crypto Payee Statements

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Cadwalader, Wickersham & Taft LLP

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Recently proposed regulations would authorize crypto brokers to deliver payee statements exclusively in electronic format.
United States Tax
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Recently proposed regulations would authorize crypto brokers to deliver payee statements exclusively in electronic format.

On March 5, 2026, the IRS and Treasury issued proposed regulations that, if finalized, would allow crypto brokers to offer Form 1099-DA payee statements digitally and not in paper form. Under the existing broker reporting regulations, discussed here and here, crypto brokers are required to provide Form 1099-DA payee statements to customers annually, either electronically or in paper format, if the customer does not affirmatively consent to electronic delivery or subsequently revokes its consent. The proposed regulations would, if finalized, eliminate (i) the paper format requirement, authorizing digital asset brokers to terminate relationships with customers who do not agree to electronic delivery, and (ii) a customer’s ability to withdraw consent if it previously agreed to electronic delivery.

The proposed regulations, if finalized, would also establish two methods for electronic delivery of the Form 1099-DA payee statements to customers including directly, such as by email, or by storing in a central digital repository and notifying the customer that the forms are available.

The proposed regulations, which are not currently effective, would apply as of the first full calendar year following the publication of the final regulations. Comments on the proposed regulations are due by May 5, 2026. In the interim, crypto brokers should monitor the status of the proposed regulations, and review the language in their existing customer terms authorizing electronic delivery and determine whether further changes would be necessary or advisable.  

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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