US Senate Unveils Bipartisan Crypto Market Clarity Bill

The U.S. Senate is finally moving closer to clear crypto rules. Senator Cynthia Lummis shared that a long awaited crypto market Clarity bill is now ready for review. The bill is called the Digital Asset Market Clarity Act. It has support from both Republicans and Democrats. It will be discussed in the Senate Banking Committee this week.

After months of hard work, we have bipartisan text ready for Thursday’s markup. I urge my Democrat colleagues: don’t retreat from our progress. The Digital Asset Market Clarity Act will provide the clarity needed to keep innovation in the U.S. & protect consumers. Let’s do this! pic.twitter.com/fuu5CIQa8X

— Senator Cynthia Lummis (@SenLummis) January 13, 2026

Lummis asked her colleagues not to slow things down. She wrote on X,  “After months of hard work, we have bipartisan text ready for Thursday’s markup.” She added, “The Digital Asset Market Clarity Act will provide the clarity needed to keep innovation in the U.S. & protect consumers. Let’s do this!” This is the biggest crypto law update the U.S. has seen in years.

What the Crypto Market Clarity Bill Is About

For a long time, crypto companies in the U.S. have lived in legal confusion. Specifically, no one knew which rules applied. As a result, many firms moved overseas to avoid trouble. Fortunately, this Clarity bill wants to fix that. The main goal is to create clear rules for crypto in America. To achieve this, the Clarity bill splits control between two big agencies:

• The SEC will watch over early stage tokens and projects.
• The CFTC will handle most major cryptocurrencies like Bitcoin and Ethereum.

This is important because the CFTC is seen as more friendly to crypto than the SEC. Supporters say this will help keep crypto jobs, money and builders in the U.S. instead of pushing them abroad.

Key Rules Inside the Bill

The bill is nearly 280 pages long but the main ideas are easy to understand. First, it defines something called “ancillary assets.” These are network tokens that depend on a project team to grow. These tokens will follow special disclosure rules. Second, the bill sets limits on stablecoins. The DFSA will not allow companies to pay interest just for holding stablecoins. However, the regulator may still permit rewards for using them in apps.

Third, the bill protects blockchain developers. If a developer does not control user funds, authorities will not treat them like a bank.Fourth, it blocks the U.S. government from launching a full central bank digital currency for daily use. Lawmakers say they want to protect privacy and stop financial surveillance. In short, the Clarity bill tries to stop “regulation by enforcement” and replace it with real law.

Why This Matters for Crypto and What Comes Next

This bill could change everything for crypto in the U.S. Clear rules mean:

• More investment
• More startups
• More jobs
• More trust from big institutions

SEC Chair Paul Atkins said, “This is a big week for crypto.” If the Senate Banking Committee approves the Clarity bill this week, it will move to a full Senate vote. After that it may return to the House for final approval before reaching the President. Some Democrats still worry the process is moving too fast. Others fear loopholes. But the crypto industry is watching closely. For the first time in years, real crypto law is finally on the table and Washington is actually talking about crypto seriously now.