⚠️ THE CLARITY ACT STILL FACES MAJOR ROADBLOCKS — HERE’S WHY IT COULD FAIL
1️⃣ Senate Merge Battle
Banking and Agriculture Committee versions must be unified first. Any compromise could trigger fresh political resistance.
2️⃣ The 60-Vote Barrier
A filibuster-proof 60 votes are required in the Senate. Republicans only hold 53 seats — meaning at least 7 Democrats must break ranks.
3️⃣ Ethics Clash Intensifies
Democrats want strict conflict-of-interest rules blocking crypto profits for officials. The White House is resisting — and this could derail consensus.
4️⃣ Banking Industry Pressure
Banks are lobbying to weaken DeFi protections, restrict stablecoin yields, and tighten developer rules — adding more friction before the floor vote.
5️⃣ House vs Senate Conflict
The House already passed its own version (H.R. 3633). A final unified bill still needs approval from both chambers again.
6️⃣ Time Pressure (August Deadline)
If the Senate misses the August window, election politics take over — and the bill could be delayed years.
7️⃣ Slow Rulemaking Even If Passed
Even if signed into law, agencies like SEC and CFTC would take up to a year to implement rules — with full impact likely delayed until 2027–2028.
📉 Bottom line: Passing the bill is only the beginning — the hardest battles are still ahead.


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