HE BROKE HIS XRP NDA?! OVERNIGHT SWITCH FLIP *INCOMING*.

HSBC and U.S. lawmakers push Clarity Act forward in Senate Banking talks as Ripple CEO Brad Garlinghouse warns momentum may be stalling.

Stablecoin yield rules, bank deposit dynamics, and unresolved DeFi and enforcement concerns remain central to negotiations. Institutional pressure is rising as regulatory clarity becomes critical for capital deployment and U.S. market structure leadership.

Timestamps
00:00 Clarity Act moves through Senate Banking Committee
00:42 White House advisor outlines legislative timeline
01:28 Closed-door negotiations and missing public draft
02:35 Retail concerns over last-minute bill changes
03:56 Key steps before Senate floor vote
05:03 Stablecoin yield and bank deposit impact
06:30 Community banks and stablecoin competition
07:55 Institutional response to crypto policy shifts
08:42 DeFi, enforcement, and developer regulation concerns
10:44 Timeline expectations heading toward Consensus
11:29 Brad Garlinghouse reaction to Clarity Act outlook
12:04 SEC and CFTC coordination impact on crypto policy

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