US CLARITY Act Could Clear Congress by April, Says Senator Moreno

TLDR

• CLARITY Act could pass by April, streamlining US crypto rules.
• Stablecoin yields remain key issue in negotiations with banks.
• Coinbase CEO confirms productive talks with Congress ongoing.
• Senate Banking Committee meets daily to fast-track the bill.
• Legislation aims to balance crypto growth and consumer protections.

The US CLARITY Act could pass Congress by April, according to Senator Bernie Moreno. The legislation aims to provide clear rules for the cryptocurrency industry. The bill focuses on market structure, stablecoins, and banking integration across the sector.

Senator Moreno highlighted that negotiations between crypto firms, banks, and lawmakers have accelerated in recent weeks. The discussions aim to resolve remaining differences over stablecoin rewards and regulatory oversight. Coinbase CEO Brian Armstrong confirmed a productive dialogue with Congress and the banking sector.

Crypto prediction platform Polymarket temporarily set the probability of the bill passing at 90 percent before adjusting to 72 percent. Moreno emphasized that stablecoin yield issues delayed earlier progress but do not block final approval. The Senate Banking Committee is reportedly meeting daily to ensure swift passage of the legislation.

Stablecoin Rewards and Banking Integration Remain Central

The CLARITY Act addresses tensions between stablecoin yield programs and traditional banking operations. Banks have expressed concerns that interest-bearing stablecoins could divert deposits and reduce conventional lending. Lawmakers are seeking compromises that maintain innovation while protecting banking stability.

Armstrong previously opposed the bill due to provisions banning interest-bearing stablecoins and assigning primary oversight to the SEC. He later indicated a resolution is possible, allowing the CLARITY Act to support both banks and crypto firms. Negotiators are now down to a few outstanding technical and regulatory issues.

The legislation’s progress signals growing cooperation between Congress, financial institutions, and crypto companies. Stablecoins are central to the discussion, as they influence both retail adoption and institutional compliance. Moreno confirmed these discussions aim to balance industry growth and consumer protections efficiently.

Congressional Outlook and Expected Timeline

Senator Moreno projected the CLARITY Act could move through Congress by April without major partisan obstacles. He dismissed concerns that a Democratic-led midterm could threaten the bill’s passage. Congressional leadership remains focused on finalizing legislation aligned with President Trump’s crypto agenda.

White House officials have consistently supported the CLARITY Act as part of broader efforts to establish the US as a global crypto hub. Earlier setbacks, including Coinbase withdrawing initial support, have been addressed through continued negotiations. The current draft is designed to create a regulatory framework that benefits banks, crypto firms, and American consumers.

Observers note that the Senate Banking Committee has prioritized the CLARITY Act, with frequent meetings and ongoing discussions. The legislation’s passage could set a precedent for US crypto regulation while clarifying responsibilities between financial regulators. Senator Moreno remains confident the bill will clear Congress by the projected April timeline.

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