The CLARITY Act: Where Are We Now? (Feb 2026 Update) 🚀 And the Road to Alt Coin Season
The wait for regulatory certainty in the U.S. continues! While the Digital Asset Market Clarity Act (H.R. 3633) was hailed as the "final boss" of crypto regulation when it passed the House in July 2025, the journey through the Senate has hit a few speed bumps.
Here is the current breakdown for 2026:
🚦 The Current Status: "Spring Sprints"
• The Senate Stalemate: After the Senate Banking Committee delayed a key markup in January, the bill is currently in a high-stakes negotiation phase.
• The "Yield War": The biggest sticking point? A dispute between Wall Street and Crypto. Traditional banks are concerned about "yield-bearing" stablecoins acting as unregulated bank deposits.
• Deadlines Looming: Treasury Secretary Scott Bessent and the White House have reportedly set a February 28 deadline to bridge the gap, aiming for a final vote this spring before midterm election fever takes over.
💡 Why This Matters for Your Portfolio
1. SEC vs. CFTC: The Act would finally draw a clear line between what is a security and what is a commodity
2. Stablecoin Legitimacy: Alongside the GENIUS Act, it would cement stablecoins as a regulated pillar of the U.S. payment system, potentially unlocking massive institutional liquidity.
3. Market "Discount": Many analysts believe crypto is currently trading at a "regulatory discount." Passing the Act could trigger a massive influx of capital from firms waiting for the green light.
🗣️ What’s Next?
CFTC Chair Michael Selig recently stated we are "on the cusp of law." If the parties can agree on the treatment of stablecoin rewards and software developers, we could see a signature on the President's desk by April or May.
