January 15, 2026
Finance

Senate Banking Panel Postpones Crypto Market Structure Bill Markup Amid Industry Pushback

Legislative Delay Reflects Ongoing Industry and Lawmaker Negotiations Around Cryptocurrency Regulation

Summary

The Senate Banking Committee has announced a delay in the markup of a key cryptocurrency market structure bill due to opposition from major crypto stakeholders, including Coinbase. Committee Chair Sen. Tim Scott emphasized continued constructive engagement among all parties, while Senator Cynthia Lummis expressed disappointment yet commitment to collaboration. The legislation’s future remains uncertain as critical issues like stablecoin regulation and the Commodity Futures Trading Commission’s authority provoke debate.

Key Points

Senate Banking Committee postpones crypto market structure bill markup amid industry dissent.
Committee Chair Sen. Tim Scott states all stakeholders remain engaged in good faith.
Coinbase formally withdraws support due to concerns over stablecoin rewards and CFTC authority.
Sen. Cynthia Lummis commits to work with industry despite disappointment over withdrawal of support.

The Senate Banking Committee, tasked with overseeing critical aspects of financial legislation, has postponed the markup session on the cryptocurrency market structure bill following resistance from pivotal industry participants. Senator Tim Scott (R-S.C.), Chair of the committee, communicated late Wednesday that the delay reflects a "brief pause" intended to facilitate consensus building among the diverse stakeholders involved in shaping this legislation.

Senator Scott in his official statement underscored that all parties remain engaged in "good faith," signaling a continued commitment to negotiate a regulatory framework that balances innovation with oversight. The delay is partly attributed to concerns voiced by some in the crypto sector regarding specific provisions within the bill.

Among the dissenting voices, Coinbase Global Inc., a leading cryptocurrency exchange, formally withdrew support for the current iteration of the bill. Coinbase CEO Brian Armstrong articulated objections centered on clauses involving stablecoin rewards, tokenized equities, and particularly the perceived diminishment of the Commodity Futures Trading Commission’s (CFTC) enforcement jurisdiction. This withdrawal marks a significant development, given Coinbase's prominent role in the industry and influence in legislative deliberations.

In response, Senator Cynthia Lummis (R-Wyo.), a vocal advocate for crypto-friendly legislation, acknowledged the frustrations stemming from the industry's reaction. She expressed her disappointment that some provide pushback instead of readiness for compromise. Nevertheless, Lummis reaffirmed her pledge to incorporate industry feedback collaboratively to craft a legislative product that fosters sector growth and stability.

Parallel to the unfolding dialogues within the Senate Banking Committee, the regulatory path faces additional complexities. Earlier in the week, the Senate Agriculture Committee deferred its markup of the agriculture-related segment of the cryptocurrency bill to late January, suggesting a staggered but intertwined legislative approach to crypto oversight.

The legislation seeks to establish a cohesive federal regulatory framework for cryptocurrencies, addressing a spectrum of issues from market integrity to investor protection. However, dissent within political ranks persists. Galaxy Research, a blockchain-focused analytics firm, has projected only a 25% chance that sufficient Democratic senators will deviate from party lines to ensure the bill’s passage, highlighting the contentious political environment.

Bernstein analysts have cautioned that the momentum behind the bill critically depends on advancing before the conclusion of the second quarter, a timeline pressured by the midterm election cycle. They identified stablecoin reward provisions particularly as a principal sticking point in legislative negotiations, complicating consensus efforts.

Optimism persists among some industry insiders, including Galaxy Digital Inc. CEO Mike Novogratz, who expressed confidence that the bill would be finalized imminently, acknowledging the heightened tensions often accompanying final stages of legislative negotiation.

From a market perspective, Bitcoin (BTC) exhibited a modest appreciation, trading higher by approximately 1.44% at $96,203 at the time of writing, reflecting continued investor interest amid the legislative uncertainty. Conversely, Coinbase's stock price demonstrated volatility; after closing up 1.25% during regular trading at $255.86, shares dipped 2.15% in after-hours trading, mirroring investor caution over the company’s publicized opposition to the bill. According to Benzinga’s Edge Stock Rankings, Coinbase’s equity displays a negative momentum trend over short-, medium-, and long-term periods.

In summary, the Senate Banking Committee’s postponement of the cryptocurrency market structure bill markup illustrates the ongoing complexities in forging a unified regulatory approach acceptable to both lawmakers and industry stakeholders. High-stakes issues remain under active debate, with the regulatory framework’s shape and timeline contingent upon continued negotiations and political dynamics ahead.

Risks
  • Uncertainty whether the bill will gain sufficient bipartisan support to pass.
  • Stablecoin reward provisions pose a critical obstacle delaying consensus.
  • Midterm election politics may impede timely legislative progress.
  • Potential erosion of CFTC regulatory authority is contentious among stakeholders.
Disclosure
Education only / not financial advice
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