Warren Files 40 CLARITY Act Amendments To Keep XRP Out of US Banking System, Expert Reveals

bitcoinistPublicado a 2026-05-14Actualizado a 2026-05-14

Resumen

As the Senate Banking Committee prepares to mark up the delayed CLARITY Act, a crypto market structure bill, Senator Elizabeth Warren has reportedly drafted 40 amendments aimed at blocking XRP from the U.S. banking system. A key proposal would restrict the Federal Reserve's ability to grant master accounts to crypto firms like Ripple, though some, including Kraken, already hold such accounts. Other reported amendments, attributed to senators including Jack Reed, would prohibit using crypto as legal tender. The DeFi Education Fund is monitoring what it calls "anti-DeFi amendments" from several Democratic senators, warning they could harm decentralized finance technology and developers by removing key protections. With the markup scheduled, negotiators are watching whether the final amendments will allow the bill to advance. Meanwhile, XRP traded around $1.41 amid a broader market downturn.

As the Senate Banking Committee’s long-awaited markup of the CLARITY Act nears, XRP has reportedly become a focal point of a wave of amendments being prepared for the key vote on Thursday.

The bill—described by participants as a crypto market structure package that has already been delayed by more than five months—is widely viewed by negotiators as close to a version they want to move forward.

Even so, some senators, including well-known crypto critic Elizabeth Warren, are signaling they plan to keep pushing changes into the draft.

Warren’s XRP Banking Move

A post from market expert and crypto researcher Bull Winkle claims Warren “stayed up all night” on Tuesday drafting 40 amendments intended to block XRP from the US banking system.

According to the post, the most consequential proposal would limit the Federal Reserve’s (Fed) ability to grant “master accounts” to crypto firms—an approach the amendments reportedly aim to apply broadly, including to institutions and companies such as Ripple, Circle, Anchorage, and Custodia Bank.

However, Bull Winkle’s assessment reminds that Kraken already holds a Federal Reserve master account and that Ripple has received approval from the Office of the Comptroller of the Currency (OCC) to operate as a bank.

In that framing, Warren’s effort is characterized less as preventing new access and more as attempting to reverse momentum that is already moving through the system.

The amendment focus is not limited to XRP-related banking concerns. Eleanor Terrett of Crypto In America reported on Wednesday that one standout proposal attributed to Senator Jack Reed includes an amendment that would prohibit crypto from being used as legal tender, including for paying taxes.

‘Anti-DeFi’ CLARITY Act Amendments

Terrett also reported that after more than 100 amendments were submitted to the CLARITY Act draft by members of the Senate Banking Committee, the DeFi Education Fund (DEF) is monitoring what it describes as “anti-DeFi amendments.”

According to that tracking effort, the group says the proposals could damage decentralized finance (DeFi) technology, its users, and developers, and is urging supporters to lobby senators ahead of tomorrow’s markup.

In DEF’s description, the DeFi-targeted amendments in the CLARITY Act appear to come from Democratic senators including Cortez Masto, Andy Kim (NJ), Chris Van Hollen, Elizabeth Warren, and Jack Reed.

The group’s stated concern is that the proposals would weaken or remove core protections. Those areas include the Blockchain Regulatory Certainty Act (BRCA), protections for non-controlling software developers, tokenization provisions, and what the group calls expanded BSA/AML obligations for developers.

With the Senate Banking Committee set to mark up the CLARITY Act on Thursday, negotiators are watching not only what gets added or removed, but also whether the final shape of the amendments will allow the bill to move forward without another round of disruption.

The daily chart shows XRP’s attempt to consolidate above the key $1.4 support. Source: XRPUSDT on TradingView.com

At the time of writing, XRP was trading at around $1.41, having recorded a 1.4% loss over the previous 24 hours. This amid a broader crypto market retracement, which saw Bitcoin (BTC) drop to $78,000 once again.

Featured image created with OpenArt, chart from TradingView.com

Preguntas relacionadas

QWhat is the main focus of Senator Elizabeth Warren's reported amendments to the CLARITY Act according to the article?

AAccording to the article, Senator Elizabeth Warren reportedly drafted 40 amendments focused on blocking XRP from the U.S. banking system. A key proposal aims to limit the Federal Reserve's ability to grant 'master accounts' to crypto firms, including Ripple, Circle, Anchorage, and Custodia Bank.

QWhich organization is monitoring 'anti-DeFi amendments' to the CLARITY Act, and what is its concern?

AThe DeFi Education Fund (DEF) is monitoring what it describes as 'anti-DeFi amendments.' The group's concern is that these proposals could damage decentralized finance (DeFi) technology, its users, and developers by weakening or removing core protections related to the Blockchain Regulatory Certainty Act, non-controlling software developers, tokenization, and AML obligations.

QWhat does the article suggest about the current status of crypto firms' access to the Federal Reserve master accounts, using specific examples?

AThe article suggests that some crypto firms already have access to Federal Reserve master accounts. It specifically notes that Kraken already holds a Federal Reserve master account and that Ripple has received approval from the Office of the Comptroller of the Currency (OCC) to operate as a bank.

QWho are the Democratic senators identified by the DEF as having submitted DeFi-targeted amendments to the CLARITY Act?

AAccording to the DeFi Education Fund (DEF), the DeFi-targeted amendments in the CLARITY Act appear to come from Democratic senators Cortez Masto, Andy Kim (NJ), Chris Van Hollen, Elizabeth Warren, and Jack Reed.

QWhat was the market performance of XRP mentioned at the end of the article?

AAt the time of writing in the article, XRP was trading at around $1.41, having recorded a 1.4% loss over the previous 24 hours. This occurred amid a broader crypto market retracement, which saw Bitcoin (BTC) drop to $78,000.

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