2.3 Regulation AFT反对参议院加密法案，警告其允许高风险资产和股票代币化进入退休基金，削弱证券保护，或致工人面临欺诈和不稳定风险。
美国教师联合会（AFT）代表近180万工人，强烈反对《负责任金融创新法案》，该参议院提案旨在明确加密市场监管。工会警告，该法案可能让包括养老金和401(k)在内的退休基金暴露于高风险加密资产，削弱现有证券保护。AFT认为，将波动性极大的加密货币视为稳定的退休投资极其危险，并指出该市场存在欺诈和剧烈价格波动的历史。工会尤其担忧允许非加密公司在区块链上将其股票代币化的条款，这可能绕过联邦注册和报告要求，将不安全资产引入养老金。包括AFL-CIO在内的批评者表示，该法案削弱了对加密和传统证券的保障，对遏制加密市场犯罪作用有限，可能导致大规模欺诈和金融不稳定。该法案引发立法者和行业团体分歧，担忧其缺乏有力的消费者保护和监管，威胁数百万工人的金融安全。
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