It combines the versions from the Agriculture and Banking committees. The ethics section bars the president, vice president, members of Congress, and their spouses from issuing or sponsoring digital assets. It is set to remain in effect until noon on January 20, 2029, the end of Trump’s second term. However, officials would still be allowed to invest in digital assets. Republican Senator Cynthia Lummis argues that the president chose to follow the standard on his own, rather than being forced to do so by Congress. At the same time, Democrats are demanding that the restrictions be extended to other family members, not just spouses. They also plan to fully ban Trump from engaging in cryptocurrency. In addition, they are pushing to make state prosecutors, rather than the Justice Department, responsible for enforcing ethics rules. Provisions protecting developers are also a source of dispute. According to Polymarket, after the Clarity text was published, the likelihood of the bill being passed in 2026 fell by 10% over the course of a day, to 31%.