Protect Local Lending. Strengthen Main Street.

Community banks power local economies by turning deposits into small business loans, farm financing, mortgages, and the credit families rely on every day.

Congress is now finalizing the CLARITY Act, which will set the rules for stablecoins. But, as written, the bill leaves a key loophole: it allows certain stablecoin “rewards” to function like interest outside the banking system through affiliates or third parties.

Regulators warn this could pull funding out of community banks, reducing lending capacity and leading to fewer loans and higher borrowing costs for small businesses, farmers, and families.

Closing this loophole will help ensure clear, consistent rules that protect both innovation and the local credit our communities depend on.

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