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On January 15, 2026, the US Senate Banking Committee will meet to review the Digital Asset Market Clarity Act, also known as the CLARITY Act.
Author: Sahil Thakur
Published On: Mon, 05 Jan 2026 03:36:01 GMT
5th January 2026 â On January 15, 2026, the US Senate Banking Committee will meet to review the Digital Asset Market Clarity Act, also known as the CLARITY Act. This bill aims to provide clear rules for how digital assets are classified and regulated. It could finally bring long-awaited structure to the cryptocurrency industry.
The bill proposes a split in regulatory duties. The Commodity Futures Trading Commission (CFTC) would oversee decentralized digital commodities. The Securities and Exchange Commission (SEC) would retain authority over more centralized assets. This distinction depends on how decentralized a blockchain is and how much control a single entity holds.
By defining these boundaries, the bill hopes to end years of legal gray areas. It also addresses stablecoins, investor protections, DeFi regulation, and anti-money laundering provisions.
The CLARITY Act started in the House as H.R. 3633 and passed in May 2025 with strong support. A related Democratic proposal followed in September, focusing on financial stability and stronger safeguards.
In December, lawmakers tried to schedule a Senate markup. However, disagreements stalled the process. Some debated how stablecoin yields should be handled. Others raised concerns about ethics rules and the scope of SEC oversight. Differences between Republicans, Democrats, and the White House slowed things down. As a result, the markup was postponed until early 2026.
By mid-December, White House crypto advisor David Sacks confirmed that the markup would take place in January. The date was officially set for the 15th. This committee session will allow senators to debate, amend, and vote on the bill.
Many lawmakers believe the bill has enough bipartisan support to move forward. Senators Cynthia Lummis and Kirsten Gillibrand have led the effort, with input from the crypto industry and regulatory bodies.
The latest drafts include several major components:
If passed, the bill could give companies the confidence to build in the US. Many firms have left the country due to regulatory uncertainty. This law might reverse that trend.
Clear rules could also attract more institutional investors. It could encourage compliant tokenization of real-world assets. Market analysts see it as a sign of maturity for the crypto space.
Despite growing momentum, the bill faces challenges. Political tensions, midterm elections, or budget disputes could delay progress. Some critics argue that the bill is more about appearances than substance. Others worry it will not solve issues like falling retail interest.
The January 15 session is a key step. If the Banking Committee approves the bill, it could move to the full Senate. From there, it would need to be reconciled with the House version before becoming law.
If that happens, the US would finally have a regulatory framework for digital assets. That outcome could reshape crypto markets in 2026 and beyond.
Real voices. Real reactions.
đš BREAKING: COINBASEâS DâAGOSTINO HAS JUST CONFIRMED THAT THE CLARITY ACT WILL BE PASSED ANY DAY FROM NOW! đ THIS WILL BE THE GAME-CHANGER FOR #XRP AND ALL OF CRYPTO! đ https://t.co/SHQobZvtvl
đšBULLISH: The U.S. Senate has proposed a bill to prevent the SEC from interfering in cryptocurrency activities. The CLARITY ACT is anticipated to be signed into law this month! #XRP https://t.co/wEWFH47aXp
clarity act will be a game changer imo
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