XRP Holders Face July 23 Deadline as CLARITY Act's Fate Hangs in Balance
XRP holders face a critical two-day window as Senator Elizabeth Warren's July 23 deadline for President Trump to disclose personal crypto earnings coincides with the Senate fight over the CLARITY Act. The bill would codify XRP's commodity classification into federal law, replacing a reversible regulatory interpretation. The legislation passed the House 294-134 in July 2025 and cleared the Senate Banking Committee 15-9 in May 2026, but requires 60 Senate votes. Republicans hold 53 seats but need 7-9 Democratic votes, with only about 2 secured. Three disputes are blocking a floor vote: Warren's disclosure request, a DeFi developer shield provision, and a Coinbase-versus-banks stablecoin fight. The Senate recesses around August 7, and missing that window could push crypto regulation to 2030. Polymarket traders price 2026 passage odds at 43%. XRP trades near $1.14, down 39.46% year to date.
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