The efforts of the US cryptocurrency industry to push the Clarity Act have been hindered by stablecoin reward mechanisms, with banks arguing that stablecoin rewards threaten traditional lending businesses. Although the GENIUS Act appears to permit such rewards, a new regulation by the Office of the Comptroller of the Currency (OCC) has raised doubts, shaking confidence in the cryptocurrency market. As the Senate's deadline approaches and other Democratic demands remain unresolved, the likelihood of passing legislation by 2026 is gradually diminishing.