The US Senate Banking Committee passed the CLARITY Act, which regulates the cryptocurrency market. The vote was 15 "for" to 9 "against". The document clearly allocates responsibilities between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC). But his final message remains uncertain: the Democrats insist on toughening regulations to combat illicit financing and imposing prohibitions that prevent conflicts of interest among public servants.

Analysts TD Cowen, led by Jareth Saberg, warn: a positive decision in committee is not a guarantee of full passage through the Senate. Democratic representatives can approve a bill in committee, but block it in a general vote if their amendments are not taken into account. The points on stablecoins have been particularly controversial: banking structures oppose rewards for holding assets that crypto companies intend to charge customers.

Before the final vote, a compromise option was considered, allowing payments for individual transactions with "digital currencies," but prohibiting interest income on passive storage. Committee chairman Tim Scott did not rule out compromise at the later stages, but rejected several amendments proposed by the Democrats. The bill is then awaiting a hearing in the Senate, after which it will have to agree on a final version with the House of Representatives and send it to the president for signature.