Legislative consideration of the Digital Asset Market Clarity Act (CLARITY Act) has once again been delayed, bringing the prospects for its passage within the year back into focus as a major legal and policy issue. Republican senators have initiated procedures to bring the bill before the Senate for consideration, but the Senate’s recess schedule is expected to postpone substantive deliberations and voting until after mid-September 2026.

Additional support from Democratic senators will be required for the bill to advance. Key issues in the negotiations include ethics provisions restricting federal officials from profiting from digital asset-related activities, anti-money laundering measures, safeguards against illicit finance involving decentralized finance, and stronger investor protections. If enacted, the CLARITY Act is expected to provide greater clarity on whether particular digital assets should be classified as securities or commodities and to define more clearly the respective regulatory jurisdictions of the U.S. Securities and Exchange Commission and the Commodity Futures Trading Commission. This could also expand financial institutions’ participation in digital asset custody, on-chain payments, real-world asset tokenization, and tokenized securities.

Attorney Kwon, Managing Partner of Cha & Kwon Law Offices, stated, “If stablecoins perform functions similar to bank deposits, funds currently held in bank deposits may move into the digital asset market.” He further explained that competition between banks and digital asset service providers over payment and deposit-taking functions could intensify, emphasizing that the CLARITY Act may serve as an important catalyst for bringing digital assets more fully into the regulated financial system. (NexBlock, August 11, 2026)

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